Ms Derville Rowland:

I will say a couple of different things. It is true that in the case of AIB we already communicated that we reached a conclusion. It is not our view that we support the bank's interpretation, but that, from a systemic perspective, we could not interfere in the decision it had made about its interpretation of the customer journey in the contracts. I completely agree with the Deputy that people deserve to know as soon as possible in cases where a matter is not going to be contested further. I said earlier that we and the lenders know where there are no issues between us and they have been instructed very clearly to get on with replying to people on those issues so that people can have their complaints brought forward. The Ombudsman is aware of that so that the system can work and so that complaints can be dealt with. The matters with Permanent TSB are not yet closed. They are still under discussion and we do not propose to take any action with any further or different staff issues in Bank of Ireland. I will be clear on that as well.