Ms Ann Nolan:

I certainly do not think that selling the mortgage book is shafting the 13,000 mortgage holders. I understand there is concern that the bidders - we will have to see who they are - may not do what they have promised to do. We will take action if they do not keep to the promises they have given to KPMG. I do not think I could count the sale of the mortgage book as shafting the 13,000 mortgage holders.