Ms Sharon Donnery:

To clarify, the switching code applies to payment accounts. Where customers have a payment account that is being used to pay direct debits, for example, and they switch to another provider, they should get help and assistance in transferring those direct debits. Of course, I can understand that in some cases there may be a challenge but, in general, it should be the case the direct debits and so on are taken care of. As the Governor said, we are happy to check that in more detail, but for people who have current or payment accounts, that is the process that should take place.