Owners' rights

Two housing charities have produced an updated Rights Guide for Homeowners. It tells how to cut mortgage costs, increase income, cope with arrears, negotiate with lenders and defend a court action. It costs pounds 7.95 (including p&p) and is available from Shac, Kingsbourne House, 229-231 High Holborn, London WC1V 7DA, or Child Poverty Action Group, 1-5 Bath Street, London EC1V 9PY.