Quote Originally Posted by myles View Post
If you go back a few pages you'll find a graph of exactly that.
This is just observation, when looking at the data between different years previously. I observed that arrears/defaults in xmas 2017 (nov & dec17) against other months of the year showed a deterioration during the xmas months. However in prior years there wasn't any difference.

Can confirm when get back home tomorrow, and relook at the data.