Ms Derville Rowland:

The level of indebtedness was correct. The monthly repayment was larger because the arrears were capitalised, but the arrears were overstated. This could be a risk if the two systems did not talk to each other, if the Deputy understands. It was very distressing for people to perceive or believe arrears were presented as being larger than they should have been because the amounts were also being capitalised. It was an information presentational problem. The arrears could be overstated, as well as being dealt with separately through an approach where they would be capitalised, and that could result in a larger monthly repayment request being made.