Complete a Common Financial Statement (CFS) with the | Carry out a benefit check and ways to maximise income, for example, entitlement to tax credits, Support for Mortgage Interest (SMI) and claims on payment protection insurance. For more information see 11.8,36.10 Mortgage arrears, and 13.18.12.10. Maximising income. Flowchart outlining when to consider the various support measures for homeowners client. For more information, see 13.15.16.5 Drawing up a financial statement. Cannot afford contractual monthly instalment (CMI) Try to reduce CMI by negotiating with lender using: Can atford CMI «the mortgage arrears pre-action protocol Pay + atime order - for mortgages under the Consumer Credit Act a Agreements (CCA) only (refer to a specialist adviser) For more information, see 11.8.36.10 Mortgage arrears. ee ere ee __| Cannot afford CMI Consider government schemes Can afford ‘contractual monthly stalment (CAI) Pay and offer nd Homeowners Mortgage Mortgage rescue scheme (MRS) (different Support Scheme (HMSS) schemes operate in England and Wales) Referlapply to lender (if I lender offers fuse Cannot ford CM rs eS) scheme in England For more information, see 11.8.36.10 Mortgage arrears, and 11.8.36.15 Mortgage rescue Eligible Not e Not eligible {| Client at risk of possession proceedings or continuation of possession proceedings. For more information, see 11.12.8.30 Refer to local authority, Possession proceedings in the county court Eligible