Hi TT
I thought I made it quite clear when Pearse made the first mis-statement about it.
There are three ways you can get into 5 years arrears
1) You have paid nothing at all for the last 5 years.
2) You have paid half your mortgage payment every month for the last 10 years.
3) You paid nothing at all for 5 years , some time ago but have been meeting your repayments in full recently.
That is why "Being 1 years in arrears" means very little. I know people who are two years in arrears but have been meeting their full repayments for a few years, and the lenders refuse to capitalise their arrears.
I suggested to the Central Bank that they publish actual mortgage payment information.