Mr. Brendan O'Connor:

In all cases we try to communicate with the tenant. We will always try to find out if somebody is in residence in the property, although we have to balance this with the issues around strangers knocking on doors. We will hold our hands up and say sometimes it does not work. Sometimes we go around - this is particularly the case with an apartment - and there is no visible sign that somebody is living there. We have made our mistakes which we try to resolve as best we can, but our policy is to identify if there is a tenant and communicate what we can within the bounds of the law. There are privacy and confidentiality issues as regards the borrower, but we certainly aim to put the tenant on notice.