Mr. Ger Deering:

I certainly did go back and look at the individual files. I came into the role of financial services ombudsman in April 2015. It pretty quickly became evident that tracker mortgages were going to become an issue and that people had been denied tracker mortgages who should not have been. One of the first things I did was carry out an analysis because I felt we had very valuable information in the office but the difficulty was that it was in hundreds of complaints files. If I remember, more than 400 complaint filed formed part of that analysis. At that stage, I put together analysis and gave a fairly considerable dossier of information that identified what had caused people to go off their trackers and why they could not go back on the trackers and the various triggers. At that stage, we worked very closely with the Central Bank and it helped the Central Bank in scoping out the tracker mortgage exercise it put in place. We have continued to work with it in this regard.