Mr. Ger Deering:

We have. It is important to differentiate here that we will deal with the conduct of the banks in appointing a receiver but we do not investigate the conduct of a receiver because he or she is not a financial services provider and his or her conduct does not fall within our remit. We have dealt with cases where receivers have been appointed and we have upheld complaints where a receiver has not been properly appointed. We have also not upheld complaints where in fact the provider was entitled to appoint a receiver. In many of the instances, the key issue is that people themselves do not engage. Sometimes, the more a customer engages with a financial services provider, the better the outcome.