Ms Dara Deering:

Under regulation, we have an obligation to ensure that before we sell a loan we must write to customers and give them 60 days notice. If customers came back to us that they were living in the property, recognising that these were families, we removed them from the Goldman Sachs transaction. In the case of non-performing buy-to-let loans, we only sold where the period of the loan being non-performing was quite extensive.