Ms Derville Rowland:

They are in scope. Anyone who was told previously that they were not in scope is, on our insistence, in that group of people covered by the large examination framework and is in scope. What I said previously about writing a letter of complaint stands as good general advice to anybody because the lender will have to answer the person in this phase if the person does that. That is a good, general default position for people to set to protect themselves.