Ms Lucy Johnson obtained a mortgage from Scotiabank $($Bahamas$)$ Ltd$.$

$($Scotiabank$)$ on July $8,2017,$ the principal amount of $$240,000$ at $6\mathrm{.}5\%$ interest

for a twenty$-$five year term, for the purchase of a $3$ bedroom, $3$ bathroom house in

Colony Village Subdivision. At the time, Ms Johnson had been a Croupier at Atlantis

Bahamas for more than twelve years. Ms Johnson had made her mortgage payments

faithfully and consistently until March $30,2020,$ the month she was placed on

furlough by her employer. It is now February $2022,$ and Scotiabank has not been

able to establish contact with Ms Johnson in over $18$ months, and the last payment

of record was March $30,2020.$

$(1)$ What legal remedies $($upon what bases$)$ are available to Scotiabank; and how

can these legal remedies be exercised?

$(2)$ Are there any provisions of the Homeowner Protection Bill that Scotiabank

should be aware of before exercising any remedies