Marital status of borrowers who take out mortgages

Dear Sir or Madam,

"Please could you send me any documents or data you hold about the
marital status of borrowers who take out mortgages or other loans
from UK banks".

Yours faithfully,

Nick Gulliford

Dear Sir or Madam,

Writing in MoneyMarketing, Lee Jones [27-Feb-2009] says:

"Good guys bailing out the bad - This week building societies
revealed their 2008 profits have taken major hits thanks to their
proportionately huge FSCS levies.
Skipton revealed its profits were slashed by a half thanks to a
£16.3m FSCS levy and Norwich & Peterborough too saw its profits
slashed thanks to its £5.5m levy.

Britannia was hit with a levy of nearly £20m, Welsh mutual
Principality saw a third of its profits go in a £5.2m charge and
Leeds also took a hit of £9.7m.

There are more results to come, and with them more profit
reductions as the prudent mutuals help pay for the misdemeanours of
likes of the cavalier demutual, Bradford & Bingley."

It is important that the marital status of those in arrears with
mortgage payments is established, because if it is cohabiting,
ex-cohabiting or separated couples who are substantially
responsible, the lending policies of mortgage lenders should be
reviewed.

Yours sincerely,

Nick Gulliford