Mr. Ger Deering:

I mentioned in my presentation the section of the Act that deals with the time limits. What the banks did was apply the time limits and point out that certain complaints were made outside of the time limit. As I mentioned, the language used in the legislation is that I shall deem a complaint to be inadmissible where it is made outside of the time limit. Not all banks did this. Some banks took the view in their submissions that the complaint was made within the time limit. This meant we did not have to carry out a jurisdictional assessment. Once a bank raised the part of the legislation regarding a complaint being made outside of the time limit, I was required to carry out a jurisdictional assessment and time limit assessment on them.