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That ended early this year, triggering the credit score crash for borrowers in arrears or default.

And when clients are thousands of dollars in arrears in rent, they can refer them to Stay Housed LA and other groups that help distressed tenants.

Recent analysis for the department found that when those alerts were investigated, 28% of cases resulted in no change, while 5% resulted in arrears being paid to carers, and 67% identified overpayments.

The average household in arrears owes more than £1,500 for electricity and £1,300 for gas.

Her relationship with her boyfriend has ended and her mortgage is in arrears.