b'Weve had reports through our debt management working group that certain housing associations have been more quick to just seek the rental capitalisation as opposed to coming up with a practical way of managing it. (Interviewee 9)2.7Impact of EWS1 formsFollowing the Grenfell tragedy, UK Finance, the Building Societies Association and the Royal Institute of Chartered Surveyors collaborated to create the External Wall Survey (EWS1) in December 2019. Almost all of the interviewees said that this was the issue that was most concerning for the sector:Its the issue of the external walls that is actually keeping me awake at night. Because thats the one that is really going to cause most problems. (Interviewee 3)The impacts varied between providers depending on the nature of their housing stock and whether their portfolio includes many flatted properties:Were probably in a fairly fortunate position because not many of our buildings are over 18m in height. The challenge weve had is in resales and in remortgages, where lenders demand these forms. Thats slowed the process. (Interviewee 6)The impact on existing shared owners in flats was described as being very negative and was holding up sales:Its held up sales and remortgaging and moves for lots of our shared owners and other leaseholders. (Interviewee 2)The delays in being to sell a shared ownership property were very frustrating for owners:We are getting a lot of frustrated and upset customers at the end of the phone that we are dealing with on a daily basis. Customers are just not able to see the end of the line, and thats causing a lot of frustration. (Interviewee 7)Providers described how shared owners in relevant flatted properties were unable to sell their home, they were stuck, with little prospect of being able to sell in the near future, perhaps for a number of years. In some cases this had been quite devastating:Weve had suicides among shared owners who are trapped. They cant sell, they cant see any future when they will be able to sell. We havent passed on a lot of 20'