Mr. Ed Sibley:

I will start to respond to that question and Ms Rowland might want to supplement my answer. On the specific experiences of the Deputy's constituents, we are always happy to hear more information and examples from Deputies because it gives us something that we will follow up. Our expectation is that in circumstances similar to those described by the Deputy, there is effective engagement from the lender - it does not matter if it is a bank or a non-bank - to identify what is needed to support the borrower in the circumstances he or she is in. That may require an interim step while the financial position of the borrower is being assessed. He or she is then supported to the best degree possible. The aim is for as many borrowers as possible to be put on a sustainable path to repaying their debt. Does Ms Rowland wish to add to that?