Ms Sarah O'Connell:

Yes. I have one example of a very desperate woman who has got in touch with us several times. She is a single mother of two children. She is in arrears of €12,000 with her mortgage. The bank is pushing her to sell. She has tried to engage with the bank to come up with a payment plan, but the bank insists on engaging via phone call and, due to her cognitive issues from long Covid, she cannot remember the content of the phone calls after they occur. She has therefore asked the bank specifically to respond only by email. We hear again and again about the financial impact and we know there has been a huge uptick in the number of submissions for social welfare claims. I do not know if Ms O'Donovan wants to add to that.