Ms Derville Rowland:

On the last occasion, we were told that credit servicing firms had been asked to attend here but had not done so. As a result, we wrote to them and told them that we support democratic accountability and their appearance before the committee. We were also told about the credit servicing firms. Under the current legislative construct, credit servicing firms are regulated by the Central Bank and conduct all the interactions with the consumers on behalf of any unregulated loan owner. That is the way that the system is constructed. We wrote to them and communicated to them our support for their attendance here.