Mr. John Trethowan:

The number mentioned by Deputy Lawlor relates to formal appeals that have been made through the Credit Review Office. We do not score anything else. I handle many queries from bank customers with the help of the person on my help desk and my deputy. We refer each query to the bank, mentioning that someone has phoned us about the matter and asking the bank to take a look at it. It frequently happens that we are told "it is okay, we can do that now". We do not score those cases.