Mr. Ger Deering:

I always have to be cautious in answering that question because at one stage statements were being made publicly that banks were not going to challenge this. I can only deal with each individual complaint file, as the Deputy knows. It took some time for this to become manifest on individual complaint files. At the moment, we do not see it as a problem but we work on a complaint by complaint basis and it is always a possibility that it can happen. It is not presenting a difficulty for tracker mortgages.