Mr. Stephen Bell:

In our answer we stated that they were in very specific circumstances. In many of the instances there had not been adequate engagement by the customer before a relatively late appeal by the personal insolvency practitioner for a solution. One of the essential aspects of the personal insolvency process when it was launched was that it was for people who had engaged meaningfully with the institution, could not reach an agreement and were insolvent. We have seen some cases, and they are representative in the five cases, in which there had been no engagement until the very last minute.