Some are what you would expect: People struggling to pay rent and buy groceries.

FORBES: Busted

"We've seen really significant increases in people coming to us with rent arrears and obviously that's given us big cause for concern as the welfare reform changes are starting to impact more people are going to see themselves struggling to pay their rent in the future, " she said.

BBC: Rent arrears 'threaten housing associations' viability'

The scheme allows not-for-profit housing associations to buy homes from people struggling to pay their mortgage and then allows them to continue living there by paying "affordable rent".

BBC: Mortgage plan helps six families