Ms Derville Rowland:

At the beginning of this examination, lenders were required to disclose all cases, including those where the FSO may have found against somebody. I have no specific information about any case in which there was a finding against an individual and this situation arising. I have not yet come across that scenario. In that circumstance, we will consider all that can be done. That might be a matter for the FSO to look at from its own perspective. It is something we will consider as these issues crystalise between us. We are hopeful that this may not follow that pathway and that the banks might just do the right thing.