This made me laugh - they guy asked a question and in reply PSR (now sidney webb) gave him 4 questions. At least you are consistant PSR.
Nick - you have to get the man to address the arrears issue. Get him to contact the organisation who he owes and set up a payment plan (maybe only £5) per week but it will show he is taking action to address his arrears and will support any application he makes. The arrears cant be ignored.
Hope this helps.