XML Schema unworkable

Question

Hi,

I am trying to use the XSD schema found here - https://gabriel.fca.org.uk/specifications/MER/DRG/PSD007/v2/PSD007-Schema.xsd which is a UK government organization's website.

My understanding is that an XSD file should be usable to source an XML map. However, when trying to do this, it generates an error due to the location of the schema location and specifically

<xs:include schemaLocation="../../CommonTypes/v10/CommonTypes-Schema.xsd"/>

which tries to reference a file on my computer. I'm unsure whether I, therefore, need to source this file, or redirect it elsewhere. I'd also appreciate general help with the schema, as i'm somewhat at a loss as to how to make this usable.

Many thanks.

the whole schema code is below:

<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns="urn:fsa-gov-uk:MER:PSD007:2" xmlns:mer-meta="urn:fsa-gov-uk:MER:Meta-Data:1" elementFormDefault="qualified" attributeFormDefault="unqualified" targetNamespace="urn:fsa-gov-uk:MER:PSD007:2" version="2.0" id="MER-PSD007">
<xs:annotation>
<xs:documentation>
<mer-meta:DataItemReference>PSD007</mer-meta:DataItemReference>
<mer-meta:DataItemName>Mortgage Performance Sales Data</mer-meta:DataItemName>
</xs:documentation>
</xs:annotation>
<xs:include schemaLocation="../../CommonTypes/v10/CommonTypes-Schema.xsd"/>
<xs:element name="PSD007-MortgagePerformanceSalesData">
<xs:complexType>
<xs:sequence>
<xs:element name="PSDFeedHeader" minOccurs="1">
<xs:complexType>
<xs:sequence>
<xs:element name="Submitter" minOccurs="1">
<xs:complexType>
<xs:sequence>
<xs:element name="SubmittingFirm" type="FRNType" minOccurs="1"/>
</xs:sequence>
</xs:complexType>
</xs:element>
<xs:element name="ReportDetails" minOccurs="1">
<xs:complexType>
<xs:sequence>
<xs:element name="ReportCreationDate" type="xs:date" minOccurs="1"/>
<xs:element name="ReportIdentifier" type="String100Type" minOccurs="1"/>
</xs:sequence>
</xs:complexType>
</xs:element>
</xs:sequence>
</xs:complexType>
</xs:element>
<xs:element name="PSD007FeedMsg" maxOccurs="unbounded">
<xs:annotation>
<xs:documentation>Defines the individual transactions to be reported</xs:documentation>
</xs:annotation>
<xs:complexType>
<xs:sequence>
<xs:element name="CoreItems" minOccurs="1">
<xs:complexType>
<xs:sequence>
<xs:element name="AdminFRN" type="FRNType" minOccurs="0"/>
<xs:element name="Postcode" type="PostCodeType" minOccurs="1"/>
<xs:element name="MainDOB" type="xs:date" minOccurs="1"/>
<xs:element name="AcctOpenedDate" type="xs:date" minOccurs="0"/>
<xs:element name="TransRef" type="String100Type" minOccurs="1"/>
<xs:element name="DateofBalance" type="xs:date" minOccurs="1"/>
<xs:element name="LoanPurchase" type="YNType" minOccurs="1"/>
<xs:element name="OrigLoanSize" type="NonNegativeMonetaryType" minOccurs="0"/>
<xs:element name="OrigLoanTerm" type="NonNegativeIntegerType" minOccurs="0"/>
<xs:element name="OrigProviderFRN" type="FRNType" minOccurs="0"/>
<xs:element name="Cancellation" type="xs:boolean" minOccurs="0"/>
</xs:sequence>
</xs:complexType>
</xs:element>
<xs:element name="PerformanceSalesData" minOccurs="1">
<xs:complexType>
<xs:sequence>
<xs:element name="OutstandingBalance" type="MonetaryType" minOccurs="1"/>
<xs:element name="MonthlyPayment" type="NonNegativeMonetaryType" minOccurs="1"/>
<xs:element name="ValueLinkedAccounts" type="MonetaryType" minOccurs="1"/>
<xs:element name="GrossInterestCharged" type="PercentDP2Type" minOccurs="1"/>
<xs:element name="TypeIntRate" minOccurs="1">
<xs:simpleType>
<xs:restriction base="xs:string">
<xs:enumeration value="01"/>
<xs:enumeration value="02"/>
<xs:enumeration value="04"/>
<xs:enumeration value="05"/>
<xs:enumeration value="06"/>
<xs:enumeration value="07"/>
<xs:enumeration value="08"/>
<xs:enumeration value="99"/>
</xs:restriction>
</xs:simpleType>
</xs:element>
<xs:element name="IncentivisedRate" type="YNType" minOccurs="1"/>
<xs:element name="DateIncentiveEnds" type="xs:date" minOccurs="0"/>
<xs:element name="RemainingTerm" type="NonNegativeIntegerType" minOccurs="1"/>
<xs:element name="MonthsPastMaturity" type="NonNegativeIntegerType" minOccurs="1"/>
<xs:element name="RepaymentMethod" minOccurs="1">
<xs:simpleType>
<xs:restriction base="xs:string">
<xs:enumeration value="C"/>
<xs:enumeration value="I"/>
<xs:enumeration value="M"/>
</xs:restriction>
</xs:simpleType>
</xs:element>
<xs:element name="ReasonForClosure" minOccurs="0">
<xs:simpleType>
<xs:restriction base="xs:string">
<xs:enumeration value="R"/>
<xs:enumeration value="M"/>
<xs:enumeration value="P"/>
<xs:enumeration value="A"/>
<xs:enumeration value="V"/>
<xs:enumeration value="O"/>
</xs:restriction>
</xs:simpleType>
</xs:element>
<xs:element name="CurrentPaymentShortfall" type="NonNegativeMonetaryType" minOccurs="1"/>
<xs:element name="ArrearsStartDate" type="xs:date" minOccurs="0"/>
<xs:element name="PaymentShortfallArrangement" type="YNType" minOccurs="1"/>
<xs:element name="DateFormalArrangement" type="xs:date" minOccurs="0"/>
<xs:element name="PaymentShortfallCapitalisation" type="YNType" minOccurs="1"/>
<xs:element name="CapitalisationDate" type="xs:date" minOccurs="0"/>
<xs:element name="SwitchInterestOnly" type="YNType" minOccurs="1"/>
<xs:element name="InterestOnlyDate" type="xs:date" minOccurs="0"/>
<xs:element name="PaymentsSuspended" type="YNType" minOccurs="1"/>
<xs:element name="DatesPaymentsSuspended" type="xs:date" minOccurs="0"/>
<xs:element name="ReducedPayments" type="YNType" minOccurs="1"/>
<xs:element name="DateReducedPayments" type="xs:date" minOccurs="0"/>
<xs:element name="TermExtension" type="YNType" minOccurs="1"/>
<xs:element name="DateTermExtension" type="xs:date" minOccurs="0"/>
<xs:element name="OtherForbearance" type="YNType" minOccurs="1"/>
<xs:element name="DateOtherForbearance" type="xs:date" minOccurs="0"/>
<xs:element name="DateLitigationStarted" type="xs:date" minOccurs="0"/>
<xs:element name="PossessionOrder" type="YNType" minOccurs="1"/>
<xs:element name="DatePossession" type="xs:date" minOccurs="0"/>
<xs:element name="RepossessionSaleValueAchieved" type="MonetaryType" minOccurs="0"/>
<xs:element name="SecondChargeMortgage" type="YNType" minOccurs="0"/>
</xs:sequence>
</xs:complexType>
</xs:element>
</xs:sequence>
</xs:complexType>
</xs:element>
</xs:sequence>
<xs:attribute name="currency" fixed="GBP" use="required"/>
</xs:complexType>
</xs:element>
</xs:schema>