Ms Louise Bannon:

I would be surprised and disappointed if anyone is in that situation. I am aware of one or two people who sent in emails and who felt they were not responded to quickly enough. Being honest, however, what we are getting now is positive feedback from people regarding how quickly they are being dealt with. We have a team working tirelessly on this issue and trying to expedite refunds. The rate of refusals of applications is less than 1%. We are working our way through these requests.

If there is anyone in that kind of situation, he or she can contact me or Mr. Cullinane directly and we will deal with it. However, I would be surprised if it arises.