Ms Helen Dixon:

It is a complex question that stems from the terms of any mortgage individuals take out with the bank and the terms and conditions set out in the mortgage, which may provide for the selling on of the loan to another provider. In terms of the transfer of data, that would have to be based on a necessity of the transfer of data and underpinned in the terms of the mortgage. Before commenting on that, therefore, we would need to look at any specific case regarding the terms of any given mortgage and the personal data that transferred in regard to any transfer of the loan.