Ms Derville Rowland:

Strictly speaking, this is outside of the framework of financial services. I have made an observation. I refer to making the scheme work. There are a load of things coming up, and I do not like to refer to it but the tracker mortgages reminded me of some of this. There is a lot going on so you have to gather it together for people. You need to figure out common questions and answers and a common approach to try to solve problems in a consistent way and then deal with things one by one where they fall into the exceptions. That is just my view. Again, it is not a Central Bank view. It is just an observation that I have made through trying to fix things sometimes. I think that would be helpful to people because they are upset and frustrated, and financial systems, contracts and insurance are complicated. This is their home and these people need help. I really am very sympathetic to that.