Mr. Shane O'Sullivan:

If we work together to sell the property for the best price possible and there is a shortfall, if someone is prepared to commit to repaying at least 20% of the shortfall we will commit to writing off up to 80% of the remainder. We will do so over time. For some people this could be months and for others it could be years. This is the process we follow at present. For people with particular difficulties, such as disabilities, we have a trained workforce which works with them and we will push to the boundaries of what we can do to accommodate people.