Ms Isolde Goggin:

I was conferring with my colleagues. I agree with the Deputy that it is a complicated landscape but I think that is an issue for the Financial Services Ombudsman. Again that is an issue that we try to raise with others. It can be very confusing for consumers to know who to go to. We are talking to the Office of the Financial Services Ombudsman. We meet its representatives regularly and we will meet them the week after next to ensure that we are directing consumers to the right place. I will ask Ms Carroll to respond on the ombudsman point.