Mr. Jim Brown:

When we appeared before the committee on the last occasion we said there was a significant increase in legal activity and we expected that activity to stabilise, which is what has, in fact, happened. The key here is that it is not our intention to repossess anybody's house. The problem we have at the moment is that there is a segment of customers who are not engaging with us at all, despite our mailing them, calling them and visiting their homes.