Ms Josephine Feehily:

If one were to take this particular piece of debt and track it through one would find 90% of it will have been collected. This is the point I wish to make. It gets collected. At a point in time snapshot there will always be debt under enforcement, under instalment and which we have not yet got to, but every day when the debt management teams come to work they get to a new tranche of cases which they examine and challenge and we collect a very large amount of it. It gets collected.