Mr. Cormac Butler:

The answer to the second question is "Yes". I spoke to the client and he says he will make the letter available.

As to the Deputy's first question, there is some ambiguity as to whether a customer should be classified as a consumer.

Some banks take the view that if a customer gets it through a different branch, which normally deals with commercial loans, then he or she is not a consumer. It is particularly vague, so there is no rationale as to how banks decide if someone is a consumer. An individual was identified as a consumer in the letter and the consumer Act was used and then afterwards when he had signed the Covid letter he was told that he must be classified as a professional customer.