Mr. Ger Deering:

I cannot comment on previous decisions. I am not saying those decisions were wrong because we do not know if they were. Many circumstances may emerge in the examination that were not available at the time of the initial decision. Those making decisions could only do so on the evidence available to them. Part of the problem may have been that we did not get sufficient evidence from the banks, which has been a problem from time to time. I have been strongly addressing that issue in order to ensure we get all available evidence. As I mentioned, a case involving a decision by our office was appealed to the High Court, at which stage a recording of a telephone conversation was produced by the bank. That made a significant difference and would have done so had it been available to the office during the initial consideration. We now insist on being given all relevant evidence, including recordings of phone calls.