Ms Jane Howard:

They are paying an amount but it is insufficient to cover the amount of the mortgage. We are trying our best to contact them and to ask them to get in touch with us to see how we can help them. As I said, where we have done that, in four out of five cases, we are able to find a solution for them. However, it is very hard for us to work with customers when they are not contacting us. We exhaust those options before we come to the sale. If any customers are listening today, we want them to get in contact with us and we will do whatever we can to help people.