Pearse Doherty (Donegal South West, Sinn Fein) | Oireachtas source

Yes, okay. I understand that. Does the servicer face the same legal obligation as the owner? I refer to circumstances in which the servicer is contracting out in terms of engagement with the customer, but the owner still has legal ownership of the loan. Under the existing rules, are penalties imposed by the Financial Services Ombudsman and similar bodies on the servicer or on the owner? Who takes legal action in such cases? Does that stack up in terms of the contract between the owner and the servicer?