Ms Oonagh McPhillips:

The new shared service office - PeoplePoint - kicked in during 2014. Issues arose when this was bedding in at the same time. That gave rise to the increase in overpayments. There was a substantial reduction of 16% in overpayments during 2014. We are still working on it to get it down further. Various options are available to employees who have overpayment situations. We have to bear in mind that there are hardship cases. People have housing and mortgage issues, etc., as a result of the downturn in the economy. When the hardship option has to be applied, it is applied with sensitivity from the human resources side.