In this context, it is noteworthy that:   c.44% of PDH loans that are more than two years past due are more than five years past due;    c.40% of borrowers of PDH loans that are more two years past due are not engaging with their lenders;    more than half of loans that were more than four years past due at the end of 2016, were more than five years past due at the end of 2017; and    more than 70% of mortgages in arrears over five years are not engaging with their banksxiv & xv  .
Recognising the individual distress these numbers represent, I would again urge anyone in arrears to engage with their lenders and/ or the supports that are available.