Latest figures are showing home repossession, mortgage arrears and CCJ 's (county court judgements) are on the increase, whilst there has been a drop in personal insolvency, showing that lenders are cracking down on any type of debt management plan and IVA 's (Individual Voluntary Arrangements). This points out their strict policy with people who fall behind on mortgage and other loan repayments. People are either facing repossession orders or trying to find a way of selling a house quickly.