Mr. Mick Stewart:

We do not go back over old applications. Once the fees have been approved they are approved. However, if the banks were to submit applications for new approvals, we would be looking for information on the previous applications.

Let me clarify the issue of partial approvals. I do not think we have ever received an application with only one charge on it. Normally it will be for personal current accounts and there could be 20 charges on it and we could refuse any number from two to 19 of them. To assert that the rate of refusal is just 10%-----