Aideen Hayden (Labour)
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My next question is directed at the IMHO representatives. They made reference to the categorisation of unco-operative borrowers, which is particularly relevant in the context of couples who are separated. It is often the case, in my experience, that one person is co-operating with the lender but the other is not. In one case of which I am aware one person went without food in order to be able to co-operate, while the partner was not co-operating at all. Has the IMHO come across such scenarios? If so, how can the issue be addressed, given that marital or relationship breakdowns are relatively common?