Ms Niamh Davenport:

It depends. In the unauthorised cases, it is on cards most of the time. That would be on someone's Mastercard or Visa card. They are dealt with, obviously, through the chargeback scheme with Mastercard or Visa card. The ones we are looking at today are investigated case by case. A thorough investigation is done on all authorised push-payment scams and it would depend on how much money the banks can recall. That is why we always say time is of the essence. The Deputy asked about timing. It is important to report a fraud as soon as possible.