The Central Bank has just published its mortgage arrears statistics for the first three months of 2021. More than a decade on from the banking and property crashes of 2010, we still see 52,148 family home mortgages in arrears, with 24,499 of these in what is referred to as long-term mortgage arrears (“LTMA”) – in arrears for more than two years. There are another 4,292 mortgages in arrears more than one year, but less than two years. Being at the coalface dealing with mortgage arrears as an active Personal Insolvency Practitioner (“PIP”) since the inception of the Insolvency Service of…