Ms Francesca McDonagh:

To clarify the number of cases, when I last appeared before the committee, there were eight complaints which the Chairman shared with me and there were a further five raised by members, bringing the total to 13. Nine of those 13 are now closed but four are the subject of legal proceedings. The case to which the Chairman referred may be one of them. We do not believe we would put a customer through legal proceedings because of the tracker issue. We have not gone to court on tracker mortgage issues which have been identified under the examination in the nine months I have been involved.