Ms Derville Rowland:

We have had some correspondence from the Deputy on these issues and he has given us contracts and further information about it. We have undertaken a review of the main SME lenders in order to assess their treatment of lending to SME customers. The kind of information at which we have been looking in that regard is the kind of information the Deputy has provided to us including contracts and the terms and conditions of those contracts. We are looking at these to see whether cases are commercial disputes which involve permitted interpretations of the legal contract. It may be the case that an interpretation is unfortunate for a person in business, but we cannot interfere with those kinds of cases. We are also looking at the outcomes of court cases, complaints made to the lenders and the data the lenders have in order to come to an assessment on the issue. That is under way at the moment. We are looking at that to see whether issues arise.