Ms Elaine Cassidy:

I want to come in there. I would say we can hear those complaints. What we found to date is that many complaints of that type tend to come from small businesses, small and medium enterprises and farmers. They do not necessarily realise that they are consumers within the very generous definition provided in the legislation. They would all be entitled to come to the Financial Services Ombudsman but they do not necessarily know that. It is good news to get out there that they are entitled to do so.