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Tying the process of repossession in yet more knots will make it harder for the market to clear and for house prices to find a floor.
Around 2.5m homes are in the process of repossession, and 11m (or nearly 25% of all homes with mortgages) are "underwater": borrowers owe more on their mortgage than their houses are worth.
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While in 2005 the process could take eight months, in 2010 the process until repossession extended much longer.
And in a depressed economy, the banks might consider the mere threat of repossession more effective than actually seizing the property.
The fears of repossession, the arguments over bills, the hunger and poverty from being penniless.
The number of repossession claims issued by landlords has risen by 27 per cent over four years to more than 170,000.
In the event of repossession, the lender is expected to provide a rented flat for a year.
The help was designed to lift the fear of repossession for those facing job insecurity.
In the event of repossession the bank will use council funds to make up the shortfall.
All along, Carlyle Capital had warned that the risk of repossession remained.
The CML figures show that the number of repossession cases totalled 15,700 in the first half of 2013, the lowest six-monthly figure seen since the second half of 2007.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com