Mr. Jeremy Masding:

The Deputy needs to appreciate two things. Obviously this point has come up frequently in our attendances at the committee. The Deputy can believe it or not but I do not sit in a gilded cage with a glass ceiling. I have been in front of customers all my working career and I speak to customers. From the letters I receive and from the people I talk to I am acutely conscious that some customers feel really aggrieved that despite having a loan that is meeting its restructure terms, it is included in a sale. Of course, I can understand why they might feel this way, but there are two things. First, Start Mortgages is obliged to honour that agreement at the day of transfer.