Ms Derville Rowland:

It is something to which Ms McEvoy and I have had specific regard. We have had specific communications with the banks about the high degree of care that we expect them to have in terms of any business decision they may take. They should put the consumer at the centre and think about risks. The Chairman commented on the credit servicing firms not being available for contact with customers etc. but that is not something we find acceptable at all. We have already been doing on-site inspections in the credit servicing firms in order to evaluate their compliance in key areas. As we have said, if the committee has information that it wants to provide in evidence, we would take it very seriously.