Rose Conway-Walsh (Mayo, Sinn Fein) | Oireachtas source

I will tell Mr. Makhlouf because this is from the Central Bank's own data and its own accounts. That were 22,000 that should never have been included and they were transferred without the consent of the homeowners. The Central Bank has stated:

A further approximately 32,000 accounts were classified as having ‘previously experienced’ financial difficulty. These figures represent the upper limit number of ... [non-bank lending] accounts who may be in a position to look for an alternative mortgage provider; however, the aforementioned criteria will be considered for any application to switch.

The figure is 54,000. What I am trying to get at is this. The eligibility criteria include repaying capital and interest in full, which I think is very harsh, the customer's credit history, a clean repayment track record, the customer having a sustainable income, obviously, and no unpaid items such as a direct debit or standing order, and, of course, the loan-to-value being less than 90%. Taking those criteria into account, how many mortgages are in a position to be able to be taken back by the retail banks?