Mortgage Rights (Scotland) Act 2001 (2001 asp 11). Country/Territory United Kingdom Territorial subdivision Scotland Document type Legislation Date 2001 Source FAO, FAOLEX Long titleAn Act of the Scottish Parliament to provide for the suspension in certain circumstances of enforcement rights of a creditor in a standard security over property used for residential purposes and the continuation of proceedings relating to those rights; to make provision for notifying tenants and other occupiers of enforcement action by a creditor in a standard security; and for connected purposes. Subject Land & soil Keyword Legal proceedings/administrative proceedings Geographical area Atlantic Ocean Islands, Europe, Europe and Central Asia, North Atlantic, North Sea, North-East Atlantic, Northern Europe Abstract This Act makes provision for certain procedures and measures in relation to the enforcement of rights on real property relating to debt. Where a creditor has taken enforcement action (as described above) over property used for residential purposes, the Act makes provision for the sheriff court, on the application of the debtor or certain other persons, to suspend the enforcement process in appropriate cases. In deciding whether to do so, the court is required to consider whether: the applicant might be able to repay the debt or arrears, or fulfil the obligations under the standard security, within a reasonable time so as to keep their home, or the enforcement process should be delayed to give the applicant and others staying at the property time to find alternative accommodation. The Act also provides for the debtor, the proprietor (if different) and the occupier of the property to receive notice of any enforcement action and encourages them to obtain legal advice on their rights. Any order made by the sheriff has to be sent for recording in the Register of Inhibitions and Adjudications. Full text English Website www.opsi.gov.uk