To ask the Scottish Executive how many repossession actions (a) were taken forward in 2008 and (b) have been taken forward in 2009, broken down by local authority area.
Statistics about court actions for repossession at a local authority level are based on the location of the court at which the case was registered. Whilst local authority and court areas are not coterminous, this provides the best available approximation to local authority information.
The number of Ordinary Cause1 Land/Heritable - Mortgage/Loan Lender2 actions registered with sheriff courts, by approximate local authority area3, January 2008 to May 2009.
Local Authority | Jan-Mar 20084 | Apr-Jun 2008 | Jul-Sep 2008 | Oct-Dec 2008 | Jan-Mar 2009 | Apr-May 20095 |
Aberdeen City | 78 | 86 | 59 | 67 | 68 | 29 |
Aberdeenshire | 48 | 46 | 52 | 40 | 20 | 15 |
Angus | 20 | 24 | 28 | 32 | 21 | 23 |
Argyll and Bute | 20 | 24 | 30 | 28 | 25 | 10 |
Clackmannanshire | 26 | 9 | 0 | 15 | 4 | 1 |
Dumfries and Galloway | 65 | 49 | 52 | 46 | 38 | 30 |
Dundee City | 81 | 77 | 67 | 70 | 38 | 24 |
East Ayrshire | 165 | 131 | 177 | 118 | 124 | 68 |
East Dunbartonshire | - | - | - | - | - | - |
East Lothian | 49 | 51 | 64 | 45 | 36 | 18 |
East Renfrewshire | - | - | - | - | - | - |
Edinburgh, City of | 309 | 285 | 297 | 214 | 193 | 152 |
Eilean Siar | 0 | 1 | 7 | 5 | 3 | 6 |
Falkirk | 56 | 75 | 72 | 63 | 74 | 27 |
Fife | 168 | 234 | 254 | 186 | 203 | 95 |
Glasgow, City of | 0 | 547 | 598 | 415 | 347 | 289 |
Highland | 75 | 82 | 78 | 44 | 59 | 32 |
Inverclyde | 49 | 54 | 56 | 33 | 23 | 21 |
Midlothian | - | - | - | - | - | - |
Moray | 25 | 23 | 7 | 17 | 13 | 7 |
North Ayrshire | - | - | - | - | - | - |
North Lanarkshire | 138 | 152 | 166 | 126 | 107 | 64 |
Orkney Islands | 0 | 3 | 2 | 2 | 1 | 2 |
Perth and Kinross | 37 | 34 | 58 | 36 | 23 | 17 |
Renfrewshire | 176 | 162 | 185 | 138 | 142 | 78 |
Scottish Borders | 10 | 39 | 41 | 33 | 28 | 23 |
Shetland Islands | 4 | 4 | 3 | 0 | 0 | 0 |
South Ayrshire | 79 | 87 | 86 | 79 | 61 | 40 |
South Lanarkshire | 349 | 301 | 332 | 223 | 171 | 135 |
Stirling | 41 | 45 | 42 | 28 | 22 | 9 |
West Dunbartonshire | 86 | 74 | 91 | 63 | 56 | 41 |
West Lothian | 133 | 116 | 154 | 106 | 90 | 71 |
Scotland | 2,287 | 2,815 | 3,058 | 2,272 | 1,990 | 1,327 |
Notes:
1 An ordinary cause is a type of court procedure. Up to 13 January 2008 it refers to cases where the value of the claim was over £1,500 and from 14 January 2008 over £5,000, or complex legal issues were involved.
2 Repossession of property in breach/default of a house purchase loan or a loan secured on the property.
3 Incorporates an approximate mapping of sheriff courts into local authority areas. Some sheriff courts will deal with cases from more than one local authority area. Four local authority areas, namely East Dunbartonshire, East Renfrewshire, Midlothian and North Ayrshire, do not contain a sheriff court.
4 Prior to 1 April 2008, decrees for repossession of property in breach/default of a loan secured on that property were not included. In addition to this, changes were made to the data collection method to improve the accuracy of the data. As a result, data collected before April 2008 are not comparable with data collected after April 2008.
5 The last column (Apr-May 2009) covers a period of two months - all other columns in the table cover a period of three months.
The number of Summary Application Mortgage/Loan Lender6 actions registered with sheriff courts, by approximate local authority area7, January 2008 to May 2009.
Local Authority | Jan-Mar 2008 | Apr-Jun 2008 | Jul-Sep 2008 | Oct-Dec 2008 | Jan-Mar 2009 | Apr-May 20098 |
Dumfries and Galloway | 0 | 0 | 0 | 0 | 1 | 0 |
East Lothian | 0 | 1 | 0 | 0 | 0 | 0 |
Glasgow, City of | 0 | 1 | 0 | 0 | 0 | 0 |
Highland | 3 | 0 | 0 | 1 | 0 | 0 |
Perth and Kinross | 0 | 0 | 0 | 0 | 1 | 0 |
Scottish Borders | 0 | 0 | 0 | 0 | 0 | 1 |
West Dunbartonshire | 0 | 1 | 0 | 0 | 0 | 0 |
Scotland | 3 | 3 | 0 | 1 | 2 | 1 |
Notes:
6 Repossession of property in breach/default of a house purchase loan or a loan secured on the property. Summary application procedure is rarely used for repossession actions. Virtually all actions for repossession are made under ordinary cause procedure.
7 Incorporates an approximate mapping of sheriff courts into local authority areas. Some sheriff courts will deal with cases from more than one local authority area. Four local authority areas, namely East Dunbartonshire, East Renfrewshire, Midlothian and North Ayrshire, do not contain a sheriff court.
8 The last column (April-May 2009) covers a period of two months - all other columns in the table cover a period of three months.
The data are management information statistics which have not been subjected to the same quality assurance standards as statistics produced by the Government Statistical Service.
In addition to this, it is believed that the data for January to March 2008 contain significant inaccuracies, as some mortgage lender actions were misclassified as land or heritable estate actions, and vice versa. For example, Glasgow Sheriff Court reported having no mortgage lender actions but this cannot be correct. As a result, some apparent trends seen in the data do not reflect real changes.
The Scottish Court Service, the data provider, is working with Justice Analytical Services to improve the accuracy and level of detail of the civil judicial statistics it collects. This work includes changes to the configuration and use of electronic systems for case management and data capture throughout the civil courts, which were put in place in the (civil) sheriff courts in April 2008 and the Court of Session in April 2009. In particular, actions for repossession can now be more easily and accurately identified.
An action for repossession may not be granted, and a decree for repossession which has been granted does not necessarily result in an actual repossession or eviction. Therefore, the figures cannot be used to estimate the number of repossessions. It is not known what proportion of mortgage lender actions initiated or granted result in an actual repossession or whether the proportion stays constant each year. Hence it cannot be inferred that a rise (or fall) in these actions equates to a rise (or fall) in repossessions.