Mr. Brendan Burgess:

It is not overcharging; it is a slightly different issue. I think, from what we have learned from Pepper, it is not an actual overcharge but it is the way they calculate repayments, which is a slightly different thing. It just means I pay my mortgage quicker, but if I am not paying my mortgage, my arrears appear to be a lot higher than they are. There are quite a few issues which are highlighted on the website.