We have all now been living with the protocol since its introduction in November 2008. While we accept it has caused lenders a significant increase in workload in terms of producing the checklist, we continue to be pleased to report that there has been no significant shift in terms of how district judges are dealing with possession hearings. We have not noticed a dramatic increase in adjournments or unfavourable orders against lenders. Although some individual judges have made the odd strange decision, this has not been widespread, even in the same County Court.