Ms Francesca McDonagh:

Without getting into the details of the case, and Mr. O'Beirne may wish to add to this, I note the Deputy's encouragement not to be excessively legalistic. I hope he would reciprocate by noting that we have not been excessively legalistic in any of our responses on tracker issues and we are mindful of balancing legal, contractual obligations and requirements with what we consider to be fair.

We must also apply that fairness in equal measure to staff members as we would a customer. We should not be providing unfair advantages or disadvantages to our colleagues that we would not provide to a customer in this tracker mortgage examination approach. We note the Deputy's comments and Mr. O'Beirne might wish to add to my answer.