Ms Niamh Davenport:

Yes, if the person did authorise the payment. There are certain levels of controls in place. This is why it is important that it is looked at on a case by case basis. In some of those cases that we are talking about, customers have received a phone call from the bank telling them that they should not make this payment. However, the customers will sometimes still go ahead and make the payment. We have to make that payment under a PSD regulation if the customer wants to do so. Even though we have tried to stop them, some people will still want to make the payment.