Ms Niamh Davenport:

We will still investigate so it is not fully the case. Figures released two weeks ago for UK finance for this year show that they are refunding about 66%. We are at similar levels despite us not bringing a code in. I feel that level could go much higher if we had the other pieces, like the sharing of information. We feel that would drive up the levels of returning of funds. If that was the case, we could act more quickly and share information with other banks to get the money back.