Professor Philip Lane:

That number involves different cases. A person may have been in less than one year arrears a year ago, and now it is more than two years arrears. It is not a fixed set of cases. It is true, however, that because there are a lot of protections in the code, and because there are also many adjournments and stays when cases go to court, it is very difficult to give a final timeline. We would expect the number to come down every year.