Ms Derville Rowland:

Certainly, the banks approve the schemes. Are the schemes adequate? Could an applicant get more on appeal? Could an applicant rightly be awarded more on appeal? Perhaps. It is not about a maximum. It is about a minimum level that is derisory or unacceptable, one that we could not countenance. However, these are schemes of the banks. I keep coming back to the appeal mechanism. It is a really important feature.