Ms Derville Rowland:

No. Maybe my colleague will talk about this. We have the credit register, but while it has information about issues, it does not have scoring. What I can say, though, is that our clear expectation is that where direct debits are missed or issues arise and it is through no fault of the customer, and it is the lender who has not done the execution of the transaction properly, we expect them to deal with that and fix that, and we do not expect customers to be fixed with detriment. If the Deputy wants to give us information about that happening, we will follow it through.