Mr. Colm Kincaid:

The Deputy used a key phrase relating to arrears. With a moneylending loan, the moneylender can only ever recover the total cost of credit from the outset, no matter how long it takes a borrower to repay. If a borrower falls into arrears, he or she does not keep paying interest on an overall sum. The borrower will only ever have to repay the amount of money that he or she contracted to pay at the start of the contract.