Mr. Ger Deering:

It is unlikely they could all have been impacted. Some of the complaints we have received are from people who never had a tracker mortgage. Not everyone who has made a complaint to our office has had a tracker mortgage, even at any stage. Some people, for example, have made complaints that they were never offered a tracker mortgage and they would have liked to have one. They are unlikely to be within scope or to have been impacted in the banks.