Mr. Paul Stanley:

As the Deputy said, there is a standard cover with regard to fees at an individual customer level. I know that it is not the direction of the Deputy's question. Assuming they are customers of the bank and part of the tracker mortgages examination, as part of the appeals process they can bring this before the appeals panel. If they are not happy with that, ultimately they can bring it to the Financial Services and Pensions Ombudsman and the courts.