If in arrears (exclude when paying by DD and in credit on payment date):]
Criteria: If you find the text 'Direct Debit' in any of their statements then don't display this text.
[If any linked accounts in arrears:]
Need to look in prhst if any other accounts are associated with the person
(Tenure type HM can be exluded though as see next section)
Need to look if any other sub accounts are associated(as tncy, rnttensub)