Related provisions for CONC 7.2.3

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CONC 7.3.9RRP
A firm must not operate a policy of refusing to negotiate with a customer who is developing a repayment plan.[Note: paragraph 3.9d (box) of DCG]
CONC 7.3.14RRP
(1) A firm must not take disproportionate action against a customer in arrears or default.[Note: paragraphs 7.14 (box) of ILG and 3.7t of DCG](2) In accordance with (1) a firm must not, in particular, apply to court for an order for sale or submit a bankruptcy petition, without first having fully explored any more proportionate options.[Note: paragraph 7.14 (box) of ILG]
CONC 7.3.18RRP
A firm must not threaten to commence court action, including an application for a charging order or (in Scotland) an inhibition or an order for sale, in order to pressurise a customer in default or arrears difficulties to pay more than they can reasonably afford.[Note: paragraphs 7.14 of ILG and 3.7i (box) of DCG]
CONC 7.3.19GRP
Firms seeking to recover debts under regulated credit agreements secured by second or subsequent charges in England and Wales should have regard to the requirements of the relevant pre-action protocol (PAP) issued by the Civil Justice Council. The aims of the PAP are to ensure that a firm and a customer act fairly and reasonably with each other in resolving any matter concerning arrears, and to encourage more pre-action contact in an effort to seek agreement between the parties
CONC 7.2.1RRP
A firm must establish and implement clear, effective and appropriate policies and procedures for:(1) dealing with customers whose accounts fall into arrears;[Note: paragraph 7.2 of ILG](2) the fair and appropriate treatment of customers, who the firm understands or reasonably suspects to be particularly vulnerable.[Note: paragraphs 7.2 and 7.2(box) of ILG and 2.2 (box) of DCG]
CONC 7.7.5RRP
A firm must not impose charges on customers in default or arrears difficulties unless the charges are no higher than necessary to cover the reasonable costs of the firm.[Note: paragraphs 3.11 of DCG and 7.15 of ILG]