Mr. John Trethowan:

We are still working through the recommendations made. We have formally asked Ulster Bank to join the process, but it has declined to do so. We work with it and it works with us on cases referred to us by the Department of Jobs, Enterprise and Innovation. If the Department refers a specific case to us, we can have the office appointed as a mediator.

We are currently working with Ulster Bank on two cases to try to find a solution for specific borrowers. The bank has taken a policy decision not to join the process.