Paddy Burke (Fine Gael) | Oireachtas source

Will Ms McDonagh take us through the situation of voluntary surrenders? I suppose it is not a nice process for the customer and perhaps it is not a nice process for the bank to go through either. The only other option is repossession. It is either one or the other, voluntary surrender or repossession, when one goes down that route. Neither is a nice route. How does the bank go through the voluntary surrender process?