Mr. Paul Joyce:

There are Circuit Court rules which dictate that an affidavit to be set out in a particular form. These are quite detailed, but sometimes the affidavits do not contain the level of detail that one would wish to see. In such cases, the borrower may have the bones of a defence at least. The point is that it could be 2,500 loans. It is not as though the fund sits down and goes through each one by one. It is not done exhaustively but as a job lot.