Ms MaryRose McGovern:

I cannot say that we are seeing an increase at the moment. There was a period after the credit servicing framework was put in place in 2015 when we saw a large number of such complaints. The amending credit servicing Act has brought an enhanced framework to that situation so that owners of loans, be they special purpose vehicles or otherwise, now have to be regulated and consumers who have those loans can make a complaint to the FSPO. This is an evolving space and a new credit servicing directive is to be implemented by the end of this year. I cannot say that we have seen an increase. There is a steady number.