Mr. Jim Brown:

No. That is absolutely not. The last letter before we go into the legal system is reasonably strongly worded and states: "If we cannot now reach some kind of accommodation we will have to then consider ...". Even at that point we do not regard that as legal. We have only regarded things as legal once we have appointed solicitors. We believe that we have taken all reasonable steps to ensure the customer is aware of the next step in the process.