Mr. Philip O'Leary:

In previous years there was a feeling people were not turning up before the repossession courts. In many repossession cases, in which houses were being repossessed by financial institutions, there was a low turn-up rate for borrowers because they could not afford to pay or were in denial and did not want to go through the process. Because of the new scheme, there is more engagement. The MABS and the personal insolvency service have a person for every county registrar list and cases in the Circuit Court and the level of engagement with distressed borrowers has increased substantially in the past few months, which is very good.