Mr. Ger Deering:

There are upheld, partially upheld and substantially upheld complaints, in which the Deputy is very interested. One of the better developments is the fact that the decisions are published and people can actually see what we mean. The Deputy will have heard me saying previously that just because a complaint is either partially or substantially upheld it does not necessarily mean that the person has not got something substantial from it. Rather, it means that there were a number of elements to the complaint. To answer the Deputy's specific question, I have directed compensation of up to €50,000 in respect of some of the complaints that were upheld. In one of the cases that was substantially upheld, I directed the provider to put the person back onto a tracker mortgage. The complaint was substantially upheld; there may have been other elements to it that were not upheld. There are some significant benefits to some of those decisions.