Mr. Jim O'Keeffe:

We are seeing cases that are coming into the legal process after a long number of years. At the start of this, we had almost 40,000 private dwelling house customers in arrears. This has taken a considerable amount of time. It has not been a one-year event. The legal cohort has probably built up over six, seven or eight years. That is an important point. The most significant category mentioned by the Deputy is "court hearing in progress". It is important to point out that it takes a considerable amount of time to work through that progress. I advise the Deputy not to take these figures as an indication that a large number of repossessions is coming through the pipeline. Based on the way the system is operating currently, that is not how it will work out. Approximately 1,600 customers within the grouping mentioned by the Deputy are re-engaging with us. We are working with them at the moment. If they continue to engage with us, we will work through their cases and find solutions for them so that they can exit the legal process. As I said earlier, we have positive outcomes in that regard.