Here is a way to keep people in their homes

For the past six years, the banks have not trusted those in mortgage arrears. Instead, they have pumped out propaganda that large numbers of borrowers are not engaging with banks and that many can pay but won’t.

It’s clear that, with 37,778 people in mortgage arrears over two years and a further 19,317 in arrears over one year, there is a complex housing and debt crisis on our doorstep.

The government’s insolvency legislation, ...