Mr. David Duffy:

We have 27 customers in total and of these, 18 are in principal homes and the others are in buy-to-lets. These customers are on moratoriums and one is in a MARP programme. What we have done is straightforward. We are very sympathetic to these customers because this is not an issue that is typical of the circumstances we are dealing with here. This relates to circumstances that are unique where through nobody's particular fault, they have been tipped over into the circumstances in which they find themselves. We have made a decision on this. While we were involved in the process, we have stepped aside from it. We will remain engaged in whatever is left of it, but we have approached every one of our customers on an individual basis and are working towards a solution for each individual outside of the broad engagement, as it is taking too long and I do not believe it will conclude satisfactorily soon.

We have made contact with them and we have spoken directly to the great majority. We are playing telephone tag with some and trying to chase them but we will negotiate an individual solution with them up to and including debt write-down if the circumstance warrants it.