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Repossession and Mortgage Arrears

I understand what the Minister says, but I hope that he remembers the example that I gave of a colleague's constituent. The family had been all the way through the system, during which time it had built up further arrears, but only then was told that it was not eligible. The process of applying, which took two or three months, had made things worse, yet at the end of it the family was told that it was not eligible.