Mr. Stephen Bell:

There would be some where we have offered to agree to a lower payment because it seems to be more reconcilable with their current financial circumstances. Our view is that recommencing a payment habit - even if it is less than the original monthly payment - is better than simply allowing the situation to drag on in perpetuity. There will be a proportion of cases where we are getting less than the original monthly payment. Our approach to those would be that we then have a regular engagement with the customer, where appropriate and where circumstances permit, to try to then move that payment back to one that is more representative of the original loan.