Hi Brendan,
Whilst the over-all picture looks good, it's interesting to note the change in the make-up of those in arrears. From the graph, in Sept 2012, approx 25% of those in arrears were in arrears for more than 720 days (About 4,000 cases out of about 16,200). Yet in Mar 2017, approx. 72% of those in arrears were in arrears for more than 720 days (about 7,000 out of about 11,000). So not only is the proportion of those in arrears for for more than 720 days increasing, the numbers too. There are approx double the number of cases where people are in arrears now than in Sep 2012. (8,000 vs 4,000). My numbers are not exact and taken from holding my phone as a ruler to the screen but you get what I mean!
Am I reading this correctly?