Ms Sarah Shovlin:

They would like to, but I do not know if people are able to engage with and borrow from them.

Since joining the focus group and having tried to meet the banks, the BPFI and the Central Bank, we have written several letters. The first letter that came back from most establishments claimed the issue had nothing to do with them and we needed to go to the Department of Housing, Local Government and Heritage. Only through our repeated engagement with those entities did they meet us at the table. I do not know if I speak for everyone in our group but I feel that there is a certain amount of hope from having had those meetings. Maybe it is just because I am naïve as someone who does not do this every day. I would like to see the four banks that we met stepping up, hurrying up – we cannot wait any longer – and showing us what products they will create. At that point, we may be able to answer the Deputy's question in a more positive manner.