Last edited by a moderator: May 30, 2018 https://www.oireachtas.ie/en/debate...enditure_and_reform_and_taoiseach/2018-05-17/ Here is a link to the debate. I only got to watch this recently. I think there was a huge misunderstanding of what everyone's interpretation of accounts 5 years in arrears. I think they all argued this point with you at different stages during the debate. I was originally of the thinking that Brendan was totally wrong in his interpretation of accounts in arrears of 5 years or more and thought like the senators there would be a lot of accounts in the 10k figure Brendan quoted where even though they were in long term arrears these would include a lot of accounts where people were trying to pay and arrears could still be relatively small. After doing a bit of research and reading though the figures in Central banks Statistical release from 22 March 2018 it appears to me these figures for accounts in long term arrears they must have fairly substantial numbers that have paid little or nothing. A few quick calculations from some of the figures in the statistical release show that accounts in arrears up to 90 days - the average balance is 141k with ave arrears of €1,243 in arrears 361 to 720 days - the ave balance is €179k with ave arrears of just over 20k in arrears over 720 days - the ave balance is €221k with ave arrears are 77k Thought it would be worth discussing further by others who have a better understanding of all this as i felt even thought it was discussed numerous times during the debate it never became clear of what 5 years in arrears actually means and needs to be clarified. Does figures for say 1-2 years in arrears mean it is only accounts that owe between 1-2 years worth of payments as Brendan suggests it means or does it also include accounts that owe a lot less, but arrears have been there for a period of 1-2 years. Surely the central bank should provide separate figures for those who pay nothing and those with arrears who are genuinely trying to pay.