Charities welcome help for homeowners in arrears  Consumer
groups and debt charities gave a cautious welcome to the news
that the bailed-out banks will be required to stimulate the
mortgage market and help homeowners facing repossession - but
they warned more help is needed.  The Treasury said one of the
conditions in yesterday's £37bn bail-out would be more help for
those struggling with mortgage payments, and help to keep them
in their homes. It also demanded that the recapitalised banks,
RBS, Lloyds TSB, and HBOS, continue to provide competitive
mortgages to homeowners and loans to small businesses at volumes
last seen a year ago.  Debt charities asked whether some of the
bail-out money might have been better spent helping homeowners
fend off imminent repossession.  The Council of Mortgage Lenders
also questioned whether the measures would work, given that the
mortgage market was facing a complete lack of demand. Despite
the huge amounts of money on offer, details of how the measures
would work were in sho