Mr. Stephen Bell:

They are not meeting their repayments and are not responding to phone calls or letters. When the point is reached whereby over an extended period no repayment has been made and there has been no response to any letters or phone calls and, on occasions when we have sent an experienced adviser to the property, no response in that regard, we then have few options open to us. I would point out that we made a clear commitment that we will have an Ulster Bank representative at every court hearing so that if the customer does present there is an opportunity to engage with him or her and discuss the options in terms of recommencement of meaningful payments.