Mr. Brendan Burgess:

I want to see the whole system changed so that for the small cohort of people who are paying nothing even though they could pay something and who are giving two fingers to the system, fast orders for repossession are made. I want to see those cases fast-tracked. Fast-tracking repossessions is important so that people understand that there will be sanctions in the short term for not paying their mortgages. In that scenario, many of these people would pay.