Mr. David Duffy:

There is the category of mortgage deemed affordable, that is, if there is discussion with someone after going through his or her income and expense statement and the mortgage is deemed affordable. That figure was 564. As I believe I got all of those numbers, the balance is the total of those who received any kind of letter relating to the legal process, which is 5,894. This should add up to 8,600 and, for the Chair's purposes, we will provide that reconciliation as a matter of record in order that the joint committee has it to avoid confusion. Let me be clear again: this characterisation as repossession in those cases is materially incorrect. As I explained, 955 days of refusing to contact at any level is three years with no contact or engagement. One is forced into the process by the regulatory situation. As I said, we have seen exactly what we expected with regard to all of the early letters that went out, namely, a practical level of engagement and other sustainable solutions being put in place. Consequently, it is misrepresenting it to characterise it as repossession orders.