Ms MaryRose McGovern:

I wonder if it would be useful to put some context on the number of customer service complaints we receive. The number we identified in 2022 was down 11% on the number we received in 2021. There were approximately 60. As regards the number of financial services provider and pensions provider complaints being received, 60 or 65 complaints in a year when we have a number of channels through which people can indicate their dissatisfaction is perhaps indicative that overall the service being offered is considered to be acceptable. We know from diving into and slicing through that data, that the single biggest issue about which complainants raise a customer services complaint is timelines and we are constantly trying to bring them down.