Ms Maureen Marray:

Usually, it is the prompt for many to engage with us at the demand stage. On the debt breakdown of those cases, we know almost 60% have balances of less than €5,000. There is no reason for those customers not to have engaged with us because we have a very flexible phased payment facility available to them. Many customers with similar types of debt have engaged. It is crucial for those businesses who receive letters to respond to the demand notices they receive from us and engage with us. We cannot assist them until we get that engagement.