Professor Philip Lane:

This is a universal examination. The fact that someone may have received a letter years ago saying "we do not think you are affected" is not relevant. Those cases are within the scope of the examination. It remains the case that it is helpful to write to the banks because they are required to reply. There is no harm in individuals who may be discouraged. The examination does not require people to write in. These cases are being considered. In many cases they will be included and will receive redress and compensation. There may be cases where that does not happen. It is important that they write to the bank and they can move forward to the ombudsman and the courts and so on. In no sense is there any kind of prior exclusion of any case from this process.