Mr. David Hall:

From a Central Bank perspective, we need to ensure that they are aware where the deeds are and that they are present. The deeds must be identified. There is an internal system in a handover between Permanent TSB and Pepper when any vulture fund buys those loans but a system needs to ensure that they exist and identify where they are. The Central Bank should be a central repository of that information, at least, if not of the deeds themselves, to secure and protect consumers. There is a missing part to this link and the Deputy and I had this conversation on the previous occasion, that is, given the amount at stake, the number of people, families and the number of mortgage holders who are affected, it is quite remarkable that such answers cannot be openly given. That is crazy.