Mr. Brendan Burgess:

The shortest period is eight months after the arrears start. It is three months after the mortgage arrears process ends or eight months, whichever is the lower. That is the definition in the code of conduct for mortgage arrears. That relates to the issuing of proceedings. It probably relates to the issuing of the letter. A lot of letters are being issued to comply with the targets which in my view will not result in proceedings. I imagine that the banks that want to get out of the country - Bank of Scotland and Danske Bank - are issuing proceedings as soon as they can and are not interested in talking.