Landlords may see more people looking for homes after being repossessed, according to three agencies.

Shelter, Citizens Advice and AdviceUK say that the government must join lenders and regulators to take action on the number of homeowners being needlessly repossessed.

Turning the tide?, published by the agencies, looked at 452 people who had sought advice from court duty desks during July 2009.

The publication said that, in a third of recorded cases, the lender had not complied with pre-action protocol - requiring them to offer borrowers other options before taking court action.

It found that sub-prime lenders specialising in lending to "riskier borrowers"took court action earlier than high street lenders.

But judges addressed this matter in only a handful of cases, the publication noted.

Kay Boycott, director of policy and campaigns for Shelter, said "The most common cause of mortgage arrears is job loss and with 2,000 people losing their job every day, we must close these gaps urgently."

The publication follows a forecast from the Council of Mortgage Lenders that 48,000 properties would be repossessed in 2009 - a reduction on the 65,000 prediction released in June.

Written by Claire DoyleADNFCR-2002-ID-19511991-ADNFCR

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