Thousands of home owners have been evicted since Gordon Brown announced a package of measures to help them, figures show.
Up to 28,000 households across Britain have had their homes repossessed since December.
The Homeowner Mortgage Support Scheme, intended to help home owners by allowing them to delay their mortgage payments, was announced by the Prime Minister with great fanfare at the end of last year.
At the time, the Government admitted it would not be available until early in the new year. However, almost five months have passed, and the delay in starting the scheme has meant it is too late for tens of thousand of borrowers. Mortgage experts and politicians have described the delay as 'outrageous'.