A city ordinance intended to force far-flung banks to see to the upkeep of foreclosed properties here has had the unintended consequence of adding to the financial burden of some struggling mortgage borrowers, much to the dismay of City Hall.

The Vacant and Foreclosing Property Ordinance requires a bank or other company that files a foreclosure petition on any property in Worcester to notify the city and deposit $5,000 for each foreclosure petition in a special account controlled by the city treasurer.

If the bank doesn’t maintain the property to the satisfaction of the Department of Inspectional Services, the city spends the money to see to the upkeep of the property itself. If the bank properly maintains the property, it gets the money back, less an administrative fee, when it sells or otherwise transfers responsibility for the house to another party.

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