The document summarizes key provisions of the Home Owner & Debtor Protection (Scotland) Act 2010 relating to the enforcement of standard securities over residential property in Scotland. It outlines new pre-action requirements lenders must follow, such as attempting to resolve arrears before pursuing court action. It describes the initial court procedure and considerations if the homeowner is present or not. The court can grant the decree or refuse the application based on factors like the reasons for default and the homeowner's ability to resolve it.

1. Home Owner & Debtor Protection (Scotland) Act 2010 – key issues for the advice sector, lay representatives & solicitors Eleanor Hamilton, Principal Solicitor Shelter Housing Law Service