Mr. David Hall:

That is 100% the case. One just cannot have a situation where in one building there are good people dealing with consumer protection, and I have said this to them, but where the majority of the people in the building are looking after the regulation of main banks, vulture funds and a whole host of other financial products. It is remarkable, given how much we all owe, transact and borrow, that we do not have a separate entity that can look after consumers properly and effectively. These types of challenges could be funded by such entities to remove that difficult situation in which customers find themselves when trying to challenge genuine legal situations.