Exactly, there may be a few scams in the UK but nothing like the scale of it in Spain. In the UK there is always recompense, and fairly quickly if say, you get a dodgy Solicitor, bank employee whatever. It is ludicrous to compare the two by the spanish ministry for disinformation 😆
Even defaulting on a mortgage is the equivalent of the 18th centry debtors prison where they could never get out unless someone paid the debt! The average defaultor has around 30,000€ added onto the debt when they fall into arrears, they are between a rock and a hard place.