Mr. Bernard Sheridan:

The Deputy has asked a good question. Quite a number of consumers have contacted us directly. We have engaged a good deal with Padraic Kissane and I acknowledge the work he has been doing on this issue. We have required lenders to put dedicated units in place to deal with customers who have queries. If the Deputy has information on the way particular lenders are treating their customers, we are happy to follow up on that, and we have done that in the past.

We are in this phase that is live, as such. Even though lenders might not be able to explain to their customers their individual positions, they should be able to explain what is happening, the timelines involved and when they can expect to hear back. We are pushing lenders to do that but we are happy to be given information if consumers are not getting that treatment.