Dormant Bank and Building Society Accounts Bill [Lords]

There is a distinct possibility that that is happening, and not just with Santander. I will not mention the names of the banks involved, but there are a number of areas in which that may be happening, and I shall touch on that. I am concerned about the total pot of money, precisely because of what the hon. Gentleman said. As I said, it is possible that people might not participate at all. A voluntary scheme creates a stark choice for a bank: either donate money to the reclaim fund, or keep it in its own funds.