Mr. Ger Deering:

Certainly, we have come across complaints from people who have buy-to-let properties. Sometimes we come across what are called involuntary landlords, namely, people who moved and did not get to sell a property and then they started to rent it. I appreciate what Senator Paddy Burke says. In most of those cases the person was hoping to have the income from the property for when they retire. That is slightly different than if they had money invested in a pension plan. What we look at there is the conduct of the provider if a person fell into arrears or whatever other issue arose and how the person was treated. We do not have an overall role in terms of investments that have gone wrong or has lost value over time, unless there was an accusation of mis-selling at the time.