Thanks for the reply. My sister is in receipt also without having renegotiated and is making the difference between her MIS and full payment up with the help of family and general scrimping. However her MIS is up for review and she worried after the article that they would hold it against her that she was making the full payment each month. She is terrified to make an arrangement with her bank as she feels it would wreck her credit rating and like the rest of us, hopes normality will return to the country in the not too distant future. Her husband was self employed and she doesn't want to adversely affect his ability secure a loan when business revives.
Personally, I think she will be one of many so it's unlikely that she will be singled out.