Wow, that's unreal. Then I would suggest someone like Charlie Weston in the Indo etc ought to do an article about how the different 'schemes' work out.Bronte, thousands of people have already availed of PIA's. Having said that, I am still baffled, in 2019, to meet clients facing severe financial difficulty that have not previously heard of Personal Insolvency Arrangements, despite all of the media attention and advertising.
The PIP - insolvency or bankruptcy
The Mortgage to Rent
The Arizun stay in your home
Actually BB that might be an idea for here, take one couple, and see how each of those schemes compare. It's a no brainer to me that the PIP insolvency is the best if you have income, bankruptcy if you're broke, Mortgage to Rent if you just want to stay put and are clueless (where is Mabs) plus you can't afford to rent so the state pays. Arizun if you're the same as the latter, but you have income are are ignoring the banks.
Maybe broke people don't hear the radio, or see advertising. Is there a way to target the modern generation otherwise I wonder. Clueless people don't tend to read the business sections of the main newspapers.