Mr. David Hall:

It is universally agreed that anyone who can switch should switch. There is a personal responsibility on those within the claws of a vulture to get away as best they can. There are many independent brokers in this country that will assist them in doing that. Some lenders will be a little less favourable. As Mr. Burgess has mentioned, this depends on the circumstances of why someone is with the vulture fund. However, in the early days vultures were the subprime lenders or the people who were handed over to them. People owe it to themselves and their families. There is a massive responsibility here for anyone in difficulty, who is under pressure and distressed. There is help available through their local representatives and the different organisations mentioned. There are also other professionals there, like mortgage brokers, to assist people in making an application. They can do so directly with any of the lenders. There is no chance of any power being returned to consumers unless it is taken by ourselves. Everybody has a responsibility to themselves, their families and the entire sector to move to better their own circumstances, and make themselves safer and more secure where they can. Not everyone can, but those who can do so should absolutely do that.