Ms Ann-Marie O'Reilly:

Yes, a small percentage result in arrears. Usually when a tenant gets in touch with us we are able to mediate and assist to get a repayment plan in place or maybe the person is not availing of the HAP or rent supplement and we assist with that. Where it is a problem is when people are prioritising the rent over everything else and falling into arrears elsewhere and the fear of all that. Where a tenancy is about to be terminated, we want to ensure the tenant can pay those arrears so the landlord can get the rent and that the person can remain in their home and not have upheaval that goes with that or possibly enter homelessness.