Stephen Donnelly (Wicklow, Independent) | Oireachtas source

I welcome all of those things, which are very important.

I do not think Ulster Bank has hit the targets. In respect of the PDH, which is the owner-occupied section, 5,172 offers have been made but 4,124 of those are legal letters. Therefore, is it safe to say that those legal letters do not include an offer for a restructuring of the mortgage?