The voluntary code sets out the standards expected of lenders and the complaints procedure for people who feel they

The voluntary code sets out the standards expected of lenders and the complaints procedure for people who feel they have been dealt with unfairly.. Missing teenager is found safe Public schoolgirl Clare Greenhalgh was reunited with her famiy yesterday, more than two days after going missing. Clare, 18, from Dartford, Kent. vanished after leaving a Hampshire nightclub with a dreadlocked man in the early hours of Sunday morning. Ian Shepherdson, of HSBC Midland, was in no doubt that a recovery has begun. City analysts were yesterday cautiously optimistic about trends in the housing market. Rob Thomas, a housing expert at investment bank UBS, said"these are better figures than we have seen for some months".

Peter Williams, of the Building Societies' Association, said: "There are signs of confidence returning to the market." He added that further expected cuts in base rates would help the traditional spring recovery. The Chancellor and Governor of the Bank of England are next due to meet on 7 March, when many City analysts expect them to cut the cost of borrowing by another quarter point to 6 per cent. The mortgage figures, the most cheerful for some time, followed an upbeat survey of estate agents published by the Royal Institute of Chartered Surveyors on Monday. A majority of estate agents said buyers' interest had increased, and more than four-fifth s said house prices had been stable in their area for the past three months. Mortgage commitments returned to their highest lev el for nearly 18 months. DIANE COYLE Economics Correspondent The housing market is finally showing tentative signs of its long-awaited recovery. Mortgage borrowing jumped last month, according to figures from the building societies and high street banks yesterday.

About 400 secure places are purchased from independent sector providers.Pressure is unevenly distributed across health authorities with the four inner London health authorities - Camden & Islington; Kensington, Chelsea and Westminster; Lambeth, Southwark and Lewisham; East London and City - responsible for the purchasing of 17 per cent of the total number of secure beds.Mr Dorrell said the review confirmed every health authority now had in place plans committing it to deliver a comprehensive mental health service."Although the phrase 'care in the community' has gone into the language it's actually an inaccurate description of our mental health policy," he said yesterday "It's not our policy to provide care simply in the community for people who are mentally ill."AUTHORITIES WHICH NEED TO IMPROVEHealth authorities whose plans require service improvements beyond the end of 1996-97 to deliver comprehensive mental health services are:AvonBarnetBarnsleyBerkshireBury & RochdaleCornwallEast LancashireEast London and CityEast NorfolkEast SussexExeter and North DevonHertfordshireHillingdonLambeth/Southwark/LewishamLeicestershireLiverpoolManchesterNew RiverNorthamptonshireNorth CumbriaNorth EssexRedbridge & Waltham ForestSt Helens & KnowsleySheffieldSouth DerbyshireSouth EssexSuffolkTees HealthWakefieldWest PennineWest SussexWigan and BoltonWiltshire & Bath. Around 1,200 purpose-built medium secure beds will be in place by March 1997. A further 450, many of which are of medium secure standard, are provided in "interim secure units and approximately 300 more are included in current development plans. The price is paid by the mentally-ill themselves and by the communities in which they live."The Government's report says health authorities have responded "extremely positively" to the need to increase secure psychiatric provision. We will continue to build," she added.Tesco and Sainsbury were among those who last year announced ambitious plans to open stores in the province.Both are ready to proceed A Tesco spokeswoman said: "We are obviously concerned but at the moment see no reason to change our plans.". One in three health authorities is failing to provide comprehensive care for the mentally-ill and will not be able to do so until 1997, the Government admitted yesterday. Common weaknesses included a failure to work with social services and GP fund-holders in drawing up mental health strategies. The Government's review of mental health care around the country was set up in August 1995, after two highly critical reports by the Clinical Standards Advisory Group and the Social Services Inspectorate labelled care in the community "haphazard" and "confused".The results published yesterday show that 33 health authorities will not be able to improve their service until the end of 1996 -7.

Blackspots around the country included the North Thames region, where not one health authority could be said to be currently providing a "comprehensive adult mental health policy" and two thirds will not achieve this by the end of 1997, according to a confidential report leaked to the Labour Party.The review, produced by Ros Levenson, Regional Mental Health Co-ordinator for North Thames, revealed that there was "a range of attitudes from anger to despair to desperation".The report said there was a "sense of fear" about the impact of reducing management costs. "The policy changes that have increased the use of diversion from courts or elsewhere were perceived as putting health services under strain without resources necessarily meeting the increased demand ".There was a perception that London in general and inner London in particular had significant health problems, which were not reflected adequately in resource allocation. Recruitment was a problem at all levels and staff were reported to be under "considerable strain".Harriet Harman, the shadow Health Secretary, said: "The Government has failed to ensure that mentally-ill people get the care they need when they need it. That perception was removed and we hope it will not return,"he said.Baroness Denton, Minister for the Economy in Northern Ireland, said people had recognised successful businesses could be developed in the province."Obviously, it will be harder to get people to come here But when it's tough, the tough get going. Michael Gottlieb, also chairman of the Restaurateurs' Association, said that Londoners were "hardened to the occasional bombing, but foreign tourists see what happens through a magnifying glass."Denis Galway, president of the Northern Ireland Chamber of Commerce and Industry, called for prompt action to renew dialogue if recent economic breakthroughs were to be preserved.A tourism boom saw a 56 per cent leap in the number of visitors to Ireland last year, and Mr Galway said there were more potential investors in the last 15 months than last 15 years."Northern Ireland was always a very good place to invest in, but the perception was that it was dangerous. However, audiences generally returned after the fourth week."People in the UK are pretty stalwart," she said.Other businesses were more cautious. He had recently returned home to Dublin after several years living in England, hoping to find work as a telephone technician.Unsuccessful, he had returned to London on Sunday, and was due to begin work with a British Telecom contractor on Monday.