Mr. Stephen Bell:

We cannot offer anything to anyone if they will not speak to us. We try our best. We would never go to that stage of the process without having tried every possible means, whether by telephone, by text, home visit or letters, that is, every means possible. We are unable to offer a solution to a customer who will not speak to us. Therefore, if we get to that end of the process, the court order will not have been granted unless not only we were satisfied that every option had been exhausted but the court was satisfied that every option had been exhausted as well.