Ms Jane Howard:

As I said, the PTSB has put a streamlined process in place so I am surprised that we have got that feedback and we will convey it to the BPFI. To date, we have not heard that somebody has been told they must wait 12 to 18 months.  That is why the PTSB has something streamlined in place. We can provide customers with dates that show how they have been trading so that they can get an overdraft with another organisation, the PTSB or a bank of their choice. We will take that point back through the BPFI.