I commend my colleague, Deputy Doherty, on bringing forward this motion. In recent months each and every one of my constituency offices, whether in Mullingar, Athlone or Longford, has seen a dramatic increase in people coming in with the dreaded letters from their mortgage providers announcing another increase or drain on their family's resources that they simply do not have the capacity to meet. Many of these people are those who got into difficulty after the last financial crash when the most they had experienced…