Mr. Ger Deering:

We can deal with individual consumers but we can also deal with organisations, including businesses with a turnover of less than €3 million per year. In an Irish context, that is a significant number of businesses. We have received complaints from small businesses and sole traders about products that were sold to them, loans they had or difficulties they experienced. Again, it is not the commercial discretion of the provider that we deal with. Sometimes people come to us and stated that their banks have refused to give them loans. We will look at the conduct of the relevant bank and at how the person was treated. We will look to see if all of their income was taken into account, but we do not second-guess the provider's decision on whether the person has an ability to pay the loan and say the bank should have given the loan.