Professor Philip Lane:

Again, regardless of whether one writes or not, they are included. If they want, as of today, to tell us what is going on with their case, then that is helpful for them to write. Essentially, the banks will write to those who will receive redress and compensation. We are talking about scenarios where, hypothetically, there may be a cohort where we cannot reach agreement and the bank says it will not pay them compensation. We are saying we will force them to write to those customers saying: "The bank has decided not to compensate you but, by the way, you can still go to the ombudsman."