Might be better in the legal forum but anyway....I'm curious as to what legal mechanism allows a bank to seize a property for failure to pay a loan secured on it in a relatively short timeframe when other civil debts in this country are nigh on impossible to settle (from the creditors perspective). In particular, tenants in breach of their lease are able to sit in a property for literally years before an ejectment order is made. I'm not moaning about banks, I'm moaning that it is so difficult for companies and individuals to secure payment for debts due or indeed to regain control of their own property from a defaulting tenant! What legal mechanism do banks use that is different from any other creditor? Could you theoretically lease a property to an individual and secure the rent due on their own private property (I'm thinking no)?