Mr. Stephen Bell:

On the last occasion when we appeared before the committee, we said we expected that the bulk of the cases that went into the legal department would go in quite early, and that has been the case. Only approximately 500 additional cases have gone in this year - that is, as of the end of October 2014. We are seeing a very significant slowdown in cases in which we have to take that action. We remain committed to keeping people in their homes and I am pleased to say that we have seen an increase in engagement from customers. Perhaps it has taken the threat of legal action to stimulate that engagement, but we have seen between 45% and 50% of customers making contact or starting to make some level of payment as a result of our taking this action. While it is regrettable, we would not anticipate that number of cases flowing through into repossession. We hope the process will stimulate engagement contact and re-establishment of an appropriate payment.