@Slim : I agree with your assessment of MABS. I have no problem with genuine cases but quite a number of people who experience a drop in income are just not willing to lower their standard of living to reflect their changed circumstances. They run to MABS and fill in unrealistic figures for "essential" outlay. Some of the stuff we have had to challenge MABS on were: Costs for landline telephone and 2 Mobile a/c's - all three are not required! High petrol costs and other motoring expenses even though the member claims they ahve little work - where are you going then? Cigarettes and socialising costs - no sacrafice offered here, whereas responsible people cut back what they can't afford ESB and Gas bills bigger than my own with no backup On top of that, local knowledge means we are aware of nixers they might be doing but not declaring to MABS or that they are seen every other day in the pub. Its convenient for some anti-credit unionists to suggest loose loan assessment as the reason for these things but for anyone living in the real world, it is unsurprising that the vast majority of such cases are caused by a change in circumstances as this recession continues to bite. The trick is to get such members to live up to their responsibilities. It is not a massive problem (in % terms) but a frustrating one. Its all so easy for contagion to take effect if the CU is seen to be soft on such issues.