Mr. Ger Deering:

The decision to put them on hold is an independent decision and nothing to do with the Central Bank. I made the decision because I believe we will be best-placed after we have all of the information that is available to decide on the complaints. As I say, we have been asked about reopening complaints. If I make a decision now on certain complaints, that is the decision. The only other outcome then would follow an appeal to the High Court whereas if we wait and have more information from the provider, people can then complain about the process they have been through. We have people who are unhappy with the appeals process. The only reason I have made this decision is in the best interests of the complainants and having full and proper evidence and information to make those decisions.