Ms Derville Rowland:

We have had specific conversations with each bank about these exact scenarios. They are fully aware of our view on all areas of this work, and have been clearly told by the Central Bank to get on with communicating the precise situation to all customers. We have been very clear with the FSPO. It has an agreement with us that in any cases to be progressed, there should be no impediment to effective communication to tell people whether they fall within or outside the scope of the inquiry, what their options are and how their cases are being progressed. We went to great lengths to ensure the system of options for people was working and to ensure there was nothing in the way to prevent it from working. We have been clear in communicating our expectations to each lender. If that is not translating into actions for customers, it is important that we have specific information, because that is entirely contrary to our expectation. Our communications have been unambiguously clear.