Professor Philip Lane:

No, this is why there is the open-ended aspect to it. We will pursue any cases that we think should be in scope and will press the banks to deal with them. Also covered in the report, and in our discussion earlier, is that in those scenarios where the bank concludes it is not going to entertain them, we will be insisting that the banks inform those cases of the decision which, in turn, may invite or trigger consideration by individuals of going to the ombudsman or, in a business case, it could involve initiating court proceedings.