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Current issues in arrears and possessions conference


27 April 2017

Time: 9:30am – 4:00pm
Venue: KPMG, Leeds
Price: £385 (VAT exempt) members
£385 (VAT exempt) associates
£505 (VAT exempt) non-members
Current issues in arrears and possessions conference

About this event

2016 has seen a number of changes within mortgage arrears and possessions policy, from pioneering legal judgments to changes to welfare and benefits. This conference, hosted at KPMG, considered the latest topics arising in the arrears sector, and provided attendees with time to network and discuss the issues affecting them.

Topics included:

  • How the remediation framework works for lenders
  • Latest arrears and possessions figures
  • Legal aspects of possession proceedings
  • How to handle changes to SMI

See the full programme for this event

Comments made by delegates who attended the event:

  • "This particular event was very relevant and current to the issues with arrears and possessions lenders are currently facing. Some very interesting topics that have certainly raised questions and given some food for thought."
  • "Broad set of topics- some of relevance in the present, others bringing people up to date and the rest being subjects for the future. A good selection with enough detail but sufficiently high level to maintain audience interest."
  • "Good selection of relevant speakers in an excellent venue."
  • "Strong agenda and content. Good presentation on relevant industry issues. A very worthwhile event."
  • "Good opportunity to receive updates on key areas and to network with others in the mortgage industry."
  • "Very informative and appropriate. Variety of topics retained interest throughout."

This event was aimed at:

Anyone working in collections and recoveries, compliance teams, customer care staff and legal representatives.


0930 - 1000


Registration and refreshments

1000 - 1010


Welcome and introduction
Russell Woodward, Senior Operations Manager, Coventry Building Society

1010 - 1030


The latest figures
Mohammad Jamei, Senior Economist, Council of Mortgage Lenders

  • What has driven the low possession figures over the last 18 months?
  • How have arrears been affected by regulatory activity?
  • Where do we expect arrears and possessions figures to go in 2017 and 2018, and
  • What impact will economic uncertainty have on this part of the market?

1030 - 1100


BOS v Rea and the remediation framework
Tom Papworth, Senior Policy Adviser, Council of Mortgage Lenders

1100 – 1130  


1130 – 1200  

How PSD II could help make customer conversations more effective
Simon Walker, Partner, KPMG

1200 - 1230  

Support for Mortgage Interest (SMI) – preparing yourself and your customers
James Kelly, Government and Industry Liaison Manager, Lloyds Banking Group
Tom Papworth, Senior Policy Adviser, Council of Mortgage Lenders

  • What to tell customers about the changes to SMI
  • Explanation without advice
1230 – 1330  


1330 – 1350  

Data-driven solution to pre-arrears and arrears resolution      
Stephen Clark, Senior Manager, EY

1350 - 1410  

Debt advice in a FCA regulatory environment
Andrew Alder, Head of Partnerships, PayPlan

  • Debt advice landscape post FCA authorisation
  • Customer journey from lender to debt advice provider
  • The strategic role free debt advice can play in mortgage collections
1410 - 1430  

When two worlds collide... Regulation and the court rules: are they heading towards a greater common orbit?
Jonathan Preston, Principal Solicitor - Litigation and Recoveries, Optima Legal

  • The impact of a proposed new Pre-Action Protocol to the Court rules for Mortgage Shortfall cases.
  • The latest vulnerability research – what does best practice look like when pursuing litigation? 
1430 – 1500  


1500 - 1520  

Lease forfeiture: Ousting the court's discretion?
Andrew Beck, Partner and Head of Banking Litigation, Walker Morris

  • Where a lender is left in the position of paying service charge arrears in respect of a leasehold property, that simply erodes equity
  • Asking the court for possession on the basis of arrears is the usual course, but might there be a quicker, more cost-effective option?
  • Whether and when recovering possession for breach of covenant (rather than merely for arrears) might be a sensible and effective alternative for lenders
1520 – 1550  

Possession proceedings – court process              
Tricia Hemans, Barrister, Falcon Chambers

1550 - 1600



Chair's closing remarks

Conference Close

Chair: Russell Woodward

Senior Operations Manager, Coventry Building Society

Speaker from Coventry BS

Russell Woodward has overseen the Mortgage Arrears and Existing Lending departments within Coventry Building Society (CBS) since joining in early 2015. During this time he has been leading for CBS on Project Tate in liaison with the FCA working group.

Prior to joining CBS, Russell ran the secured debt management centre for one of the UK high street banks.

Russell is the current Chair of the CML Arrears and Possessions Panel.


Andrew Alder

Head of Partnerships, PayPlan

Andrew Alder began his career at Northern Rock which enabled him to experience many different facets of retail banking including, unsecured collections, mortgage collections, mortgage servicing and credit risk and debt sales.

When UK Asset Resolution was formed Andrew undertook a key role that was relevant to the company’s strategic review while in public ownership.

In his current role at PayPlan Andrew heads up all partnership working within the creditor and debt advice industries, helping organisations and charities to improve their Debt Advice strategies and the customer outcomes they deliver.

Andrew Beck

Partner and Head of Banking Litigation, Walker Morris

Andrew Beck is the Head of Banking Litigation and is recognised by his peers as a leader in his field.  He has over twenty five years' experience of banking litigation, secured collections and mortgage recovery matters and his team of fifteen solicitors all specialise in this area of law.

He has substantial experience of dealing with major mortgage fraud cases and professional negligence actions for the firm’s major banking and building society clients. 

As well as being an accredited mediator with the Centre for Effective Dispute Resolution, Andrew has been engaged in a wide range of High Court and County Court cases.  He has been involved in several cases reported in the Estates Gazette Law Reports and has represented clients in both the Court of Appeal and the Supreme Court.  Andrew has also advised upon dispute resolution methods, and provided training courses on mediation as an alternative method of resolving disputes.

He is recognised as a leader in his field by both Chambers and Legal 500.  In Chambers, Andrew is "commended by clients for his commerciality and depth of knowledge. He is recognised for his abilities handling professional negligence allegations, cross-border fraud disputes and asset repossessions."

Stephen Clark

Senior Manager, Ernst & Young LLP

Stephen Clark is a Senior Manager in EY's Regulatory Advisory team within the financial services office. He is an experienced compliance professional with over 12 years of experience, focusing on mortgage retail conduct risk compliance. His experience includes leading teams in managing 1st and 2nd line reviews, implementing risk management frameworks, and helping to drive internal initiatives relating to regulatory technology, data analytics and control optimisation.

Tricia Hemans

Barrister, Falcon Chambers

Tricia Hemans Tricia Hemans is a barrister specialising in property law. Her practice covers all areas of commercial and residential landlord and tenant and real property litigation. As a junior tenant at Falcon Chambers, Tricia has a busy county court practice, with particular experience of commercial and residential possession proceedings relating to both tenancy and mortgage disputes.


Mohammad Jamei

Senior Economist, Council of Mortgage Lenders

Mohammad Jamei joined the Council of Mortgage Lenders in 2014 and is currently a Senior Economist. Mo is responsible for writing the Council of Mortgage Lender’s monthly market commentaries, as well as published statistics on arrears and possessions. He also writes interesting and thought-provoking articles for the CML website.

Prior to this, he worked for HM Treasury as a civil servant, on topics relating to the housing market.




James Kelly

Government and Industry Liaison Manager, Lloyds Banking Group

James Kelly is a Government and Industry Liaison Manager in the Credit Operations business area of Lloyds Banking Group. His work includes a focus on government assisted safety nets for mortgage customers including the Support for Mortgage Interest, Mortgage Rescue Scheme and Home Owner’s Support Fund options.

Prior to his current post within Credit Operations James was Head of Property Management for another business unit within Lloyds Banking Group. He has a wide range of professional experience including leading branch networks across the UK and various operational roles. Previously in his career James has worked for two other major mortgage lenders.

James is the current Vice Chair of the Council of Mortgage Lenders' Arrears and Possessions Panel.

Tom Papworth

Senior Policy Adviser, Council of Mortgage Lenders

Tom Papworth joined the Council of Mortgage Lenders in 2016 having previously worked in government, trade associations and think tanks. He is the Senior Policy Adviser responsible for buy-to-let and arrears and possessions. Tom holds degrees from the Royal Holloway (University of London), the University of Kent (Canterbury) and King’s College (London). 


Jonathan Preston

Principal Solicitor - Litigation and Recoveries, Optima Legal

Jonathan Preston joined Optima Legal as Head of its Complex Litigation Team, before taking up his current role, Principal Solicitor of Optima's Litigation and Recoveries division.

Jonathan qualified as a solicitor in 2005 and practised General Commercial and Property Litigation at Irwin Mitchell before moving to Optima. Jonathan has also been a member of the Civil User's Committee of the County Court and High Court District Registry for a number of years, an important interface with the judiciary that covers various matters such as important changes to legislation, Court procedures and working practices.

As Principal of the Litigation division, Jonathan oversees the provision of sound legal and regulatory advice and service provided by the departments which make up Optima's Litigation and Recoveries division.

Jonathan is keen to adapt to legal practice changes which are demanded by the reform of the market, taking a proactive approach in responding to legal, procedural, regulatory, technological and competitive advances.

Independent of his professional work for Optima, Jonathan is a Deputy District Judge, sitting in the Courts of the North Eastern Circuit.

Simon Walker

Partner, KPMG

Profile picture of Simon WalkerSimon Walker has over 20 years' experience as a partner leading regulatory and risk assignments.  His area of expertise is retail financial service, working with banks and intermediaries. 



Headline sponsor


KPMG is a global network of professional firms providing Audit, Tax and Advisory services. We have over 174,000 outstanding professionals working together to deliver value in 155 countries. Our industry focus helps KPMG firms’ professionals develop a rich understanding of clients' businesses and the insight, skills and resources required to address industry-specific issues and opportunities. KPMG has a market leading mortgage practice – providing multi-disciplinary services to a range of clients; from regulatory services, management consulting, IT implementation and customer experience appraisals.

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