Ms Derville Rowland:

I do not accept anything on behalf of customers and it has not been our habit to accept substandard answers but one can only make a lender do what it is capable of doing, no matter how much pressure one puts on it. I wish it was different. Everybody is deadlined to the maximum of their ability to deliver. I cannot make them deliver faster than they or their systems are capable of. What I can do is make sure everybody is timelined. They are on weekly reporting and I have to be happy with their compliance. We have made our presence felt with the lenders. Ulster Bank's published reporting was that 1,000 customers were to be redressed and compensated before Christmas. That was in its public statement that it published in October. It did it in three tranche commitments. The second one is either 1,000 in quarter one and then maybe 1,500 by June. I might have those numbers reversed. It is in three tranches. There is no part of me or the team that has behaved in a way that allows people to pay late when they can pay much faster and much earlier.