Mr. Ger Mitchell:

Since there were two different appeals panels, it was quick in terms of how the process was gone through. The fact of the matter is that in 2015 we had the launch of the mortgage redress programme. This was an integral part of the process. It allowed an independent body of people – there were three independent people – that was separate from the bank to meet each customer and his or her advisers, as necessary, to make an independent decision proportionate to the detriment that the customer may have suffered.