Ms Sarah Shovlin:

I have not seen evidence of that. It speaks about a vulnerable customer as someone who has gone through some sort of trauma, be it a marital breakdown or an illness. If losing your home is not a traumatic event, I do not know what is. There have to be extra checks and balances and additional care and attention have to be taken. The Deputy asked Mr. McCabe whether the banks had set up designated groups. In 2020, the BPFI published a framework to which all banks signed up, yet here I am three years later and I still do not know who the experts in terms of defective blocks are in my bank.