Mr. John Trethowan:

I appreciate what the Deputy is saying because I have heard it described as the slow "no". The other description is the serial information request. Sometimes borrowers need to step up to the mark and produce the information the bank has asked for, but at other times we find that the bank is asking serial questions.

To return to the lending experience that I mentioned at the start, the inexperience of some front-line staff means they are not asking the correct questions at the time. The application goes to head office and it will come up with questions.