Mr. Bernard Sheridan:

The framework does not provide for that. However, that is not to say the lenders themselves could not actually facilitate that. Many consumers are contacting us and we are making sure that their voice is heard when they are referred on to the lender. We have engaged quite a bit with several consumer stakeholders to ensure the issues they are identifying feed into the lenders’ approach to this. We are trying to build the consumer element into this. It is one of the key challenges we face, namely that the lenders need to approach this from that perspective and not the legal perspective.