Ms Derville Rowland:

Maybe I will come in on that. I completely agree with Deputy Durkan that the lenders need to give the customers who need the support the benefit of the options that are envisaged in the toolkit. There are cases, undoubtedly, where maybe things do not work as well as they should but overall we closely watch and monitor the suite of options that the lenders - the banks and the non-banks - have, whether they are using them, how many they are giving and how they are supporting their customers.

When we look at mortgage arrears, we see, when we look at restructures, many restructures have been put in place. Nearly 62,000 restructures have been put in place. Many of those have come to a successful place where they are fully paying their mortgage with the support. There is much evidence to show that many people have had good support - good options that are helping them perform. Then when we look at the arrears groups, we see there are many restructures there too. We are watching where temporary restructures need to be given to people, particularly in early arrears because sometimes it is a short-term shock. We are watching to make sure that early warning indicators are there from the lenders so they can see stresses coming, that they are proactive and respectful in their communications with borrowers, and that temporary arrangements are being put in quickly. We have seen improvements that need to continue, such as dedicated points of contact between the Money Advice & Budgeting Service, MABS, and different lenders so it is not as complex for people to deal with this, because it is a very stressful time and there is information that has to be passed through. We are making sure that the lenders have staff in place to support people.

It is always true that issues will arise. If the Deputy has any information, we are always willing to take that and look at those issues. However, by and large, we are monitoring the system to make sure that the suite of offers and arrangements are wide and that they being applied, and we see that happening.