Aideen Hayden (Labour) | Oireachtas source

On that point, in terms of how borrowers are categorised as, say, non-co-operating borrowers, as Mr. O'Sullivan will be aware, if somebody has been categorised as a non-co-operating borrower, he or she cannot access the insolvency arrangements. How does permanent tsb determine whether somebody is a non-co-operating borrower? For example, in a situation in which I am involved where somebody is separated and that individual is co-operating but the partner or spouse is not co-operating, the former has been deemed a non-co-operating borrower, which means that person cannot access the insolvency arrangements. Could Mr. O'Sullivan give me more detail on how permanent tsb categorises somebody as non-co-operative? If he cannot do so today, maybe he could furnish us with it.