Mr. Ed Sibley:

We are deeply concerned by what happened with the tracker mortgage scandal and we have done a considerable amount of work to try to rectify the situation. As the Deputy mentioned, the final report was never presented as the end of our work. It was the end of that aspect of the investigation and we committed to continue to engage, to look at and, particularly, to monitor the work of the Financial Services and Pensions Ombudsman. I will let Ms McEvoy talk more on this.