Mr. John O'Beirne:

No, I think it has. They did go back to the rate they were contractually enabled to go back to from their original loan offer letter.

In terms of the correspondence that issued around that time, if a customer was on a tracker and had taken the staff benefit-in-kind, BIK, rate and then the staff tracker rate, they were then entitled to come back to a tracker. If they were never on a tracker in the first instance, they would have signed the same mortgage form of authorisation but it referred them back to their original mortgage.