Ms Aoife MacEvilly:

When we engage with the likes of the Society of St. Vincent de Paul and the Money Advice & Budgeting Service, MABS, on this, we unfortunately find that some customers just stop engaging because it is too much for them to deal with. During the moratorium, the number of customers engaging with their supplier to enter into payment plans dropped. That is a concern. They are not engaging with their supplier to try to get onto these payment plans to help them pay back and they are also not engaging with their suppliers to access some of the funds. All of the suppliers have put in place hardship funds but we are not clear that customers are really aware of or utilising those funds.