Ms Marguerite Sayers:

First, we are going to write to customers. That way they will get hard-copy communication from us in case they missed the electronic communication. We will make sure everybody gets that letter and hopefully that will reinforce the communication, on top of what the banks are doing and what other direct debit originators are doing. It is not ideal that customers are getting a lot of communications but, on the other hand, if they are getting them from different locations and different places, they are more likely to open an account sooner rather than later. We have some experience of being what is known as the supplier of last resort in the energy business. That involves an electronic transfer to us of customer details on the electricity front. We thought something similar might be available in the banking system but, as Mr. Ó Raghallaigh said, that does not appear to be the case.