Mr. Fergal O'Leary:

There is no doubt that it is. We have also received calls from and had contact with people who have been caused great distress. Specifically, we do not have an oversight role in dealing with the issue of mortgage arrears, but we make sure any information given to us by a consumer who contacts us about his or her treatment is passed on, without names and addresses because of data protection issues. The information is included in summary reports we provide for the Central Bank. We try to make sure that if we see a practice taking place in an institution or across the sector, we pass on the information to the Central Bank.