Ms Derville Rowland:

We are at a point where 39,800 customers have been accepted as impacted in the tracker mortgage examination. We are in the closing phases of that and there are no known big customer-impacting issues that we have identified that we have in dispute.

The Deputy will recall that we had a very strong difference of opinion with the banks. That resulted in them capitulating and increasing the numbers from approximately 13,000 at a stage where we reached a strong impasse with them. Given the work we have done, supported by members, we have moved that figure right up to ensure that the customers who should be included in the tracker mortgage examination, TME, have been.

We are still doing due diligence and closing out issues with four of the main lenders, where it is conceivable or possible that customers may still find themselves included in the tracker mortgage examination, but we are not in dispute. We know of all the groups because we have done significant due diligence ourselves and group reconstruction.

I will address some of the specifics the Deputy has identified. In regard to the AIB group, the prevailing rate group the Deputy referred to, the Deputy and I have discussed this. It has been included in the tracker mortgage examination but I recognise that not everybody who wants to be returned to a cheaper tracker rate has been. They have the option of appealing within the tracker mortgage examination or of using any of the other rights they always had which we were at pains to ensure were preserved for them.

There are some issues still under consideration with some of the lenders. We are aware of what they are and are monitoring those very closely. We keep that under scrutiny. It is true that we expect to close out our due diligence examination in the coming period, where we will then be in a position to issue a final report. We are also ensuring that payments are made to the group that still need to receive its payments.