Dominic Hannigan (Labour)

I would like him to clarify that. We are disappointed that there was not a complete clean out of the boards so that we would, in effect, start again. That would have been important to show the people that we do mean business when we talk about changing the current culture of the banks. Confidence would have been helped also if the Minister had gone further on the moratorium on house repossessions. The measure introduced suggests 12 months but the Minister will be aware that many organisations, such as the Society of St. Vincent de Paul and the money advice and budgeting service, have called for a 24-month moratorium. The proposal, as I understand it, is that legal action can commence after six months. As well as that, it states, "until after 12 months of arrears appearing——