Ms Josephine Feehily:

We received a lot of money very near the due date. The service provider system is designed for people who want to pay on a phased basis and anybody who does not engage with us will be in our records as being in default. That is a fact. What we have announced in our compliance programme is that people who have not paid or entered into an arrangement with us to pay will be charged interest that will be backdated. Therefore, in the case of somebody who wants to pay in December, that payment will be liable to interest.