Mr. Ger Deering:

There could be other issues also. Sometimes there are a number of elements to a complaint. Of the figure I gave earlier, the vast majority would be, I think, related to tracker mortgages. To be clear, the tracker mortgage complaints data include communications from people who would have liked to have been offered a tracker mortgage but were not. If a tracker mortgage was not an offering at the time, then a complaint of not being offered one is unlikely to be upheld. Within the cohort mentioned are a significant number of people who thought they should have been given a tracker mortgage but who did not have a contractual entitlement to it.