Mr. Ger Deering:

First, our system does not catch those as a category. The other issue is that complainants would not necessarily identify their complaints as such. What we have as a category is complaints regarding the cost of premium. We have looked at the complaints we have in that space and there are a number of them. We have only identified 18 or so that could be described as such and we are looking into those in more detail now.

It will be quite a task for us to get behind the reasons. I note the committee discussed this matter last week. The data the financial service companies are collecting are extraordinary. I am not sure that people know that these data include what people watch on Netflix, what they googles and when they change their telephone number. I do not know whether that is happening in Ireland but it is happening internationally and it is feeding into people's credit rating and into those kinds of decisions. It will be a significant challenge for us to get behind those kinds of issues. However, if there are complaints where people are being wrongly discriminated against, we will do what we can to get the information and get behind it to see what the position is.