Mr. David Hall:

Even in circumstances where you run into difficulty, the rate you are at to try to help to form a solution is critical.

As the Deputy said, it is not the same. I do not know what the Minister was thinking. There is nobody in their right mind who would want their loan sold to a vulture fund. That is not something you would want. I am onto them every single day and I cannot get through to somebody. Many people in the Houses have been in touch with me asking, for example, if I had dealt with Start before and whether it or Pepper had replied to me. If someone is not replying to an organisation, an advocacy group, organisations that are dedicated specialists in this area or indeed public representatives, that is an issue. This is not anecdotal stuff. They do not engage appropriately or fairly. Their whole motive and mechanism of dealing with things is completely different from a bank.