Mr. Ger Deering:

No. I wrote to all the banks to inform them that I expected the banks to include all those cases. As I said in my opening statement, at the outset of this issue I became aware from complainants who had contacted me that some banks had told complainants that they would not be included as they had had a decision from the ombudsman. I wrote to the banks, I worked on it with the Central Bank to ensure this changed, and all of those people have now been included. We get information from the banks on live complaints. It is generally only when the complaint is closed that the complainant comes back to us and informs us that they got a different outcome. Even on the live complaints we have not got answers. We are asking but we have not got answers from the banks to say these people are actually impacted. We get the answer to whether or not they are in scope but not-----