Mr. John Trethowan:

Yes, a bank has sanctioned the lending, although it may not have liked doing so, but it has abided by the decision made.

We have a very small staff and are going to try to recruit an intern to follow up on cases in which we have made recommendations that lending should take place to ensure the bank involved has followed through and granted the loan. I have dealt with a couple of cases recently in which people came to say the bank had sanctioned the loan, but they were still trying to have the red tape finalised. That is not what the Credit Review Office is about. It is about having an adjudication made and getting the bank to supply the credit. I need to follow up on previous cases also.