ABSTRACT
In chapter 3 it was argued that accounts and explanations of default needed to be more widely drawn than had typically been the case, in order to reflect more accurately the range of factors that contribute to default. The ideas of Doling and Ashley were discussed, as both these accounts were seen to offer frameworks that were sensitive to the multiple influences upon the emergence of arrears. Existing studies, it was argued, often on their own admission, had found it difficult to convey a sense of the flow of events and of the interconnections between issues. The authors of one such study commented upon the 'difficulty of assigning complex reasons to a relatively simple set of catergories' (Adler and Wozniak, 1981).
