Mr. Stephen Bell:

There were no evictions as such. They were all either voluntary surrenders or vacant properties when the sheriff or bailiff approached to secure possession. No one was forcibly removed from his property among the 130. They are the longest of arrears cases in which we have tried absolutely everything to engage with the customers. It is a matter of considerable regret to us that in some of the cases that are going through the legal system at the moment, the last payment we received was in 2007. These are extraordinarily long cases whereby the court process has run for such a long period that the eventual losses to both the customer and the bank have escalated beyond all recognition. These customers would have been provided with every possible opportunity to engage with us and reach an alternative solution.