Mr. Brian Kealy:

At the time of the examinership, a list of the amount of money that was owed to each individual was produced. We checked that against our listing. In the top 50 people we have a high percentage matching, but there are people that we know nothing about. We discreetly asked various students that we were dealing with if they knew those people and in some cases they did not. The student who was owed the most had literally started in Florida about two months beforehand, and because of delays had actually paid the vast bulk of the money by that stage. The students did not manage to make contact with those people. Other people just wanted to move on because they were so ashamed about it. It was a nightmare for them.