Break half/three quarters of the packet of Hobnobs into the saucepan and stir together.
Set the contents flat at the bottom of a serving dish and pat down with your hand.
Place the two tins of unopened condensed milk into a large pan of boiling water for an hour and a quarter. Make sure the water is topped up at all times from a kettle and don't allow the pan to boil dry.
Slice the bananas into pieces and cover the Hobnobs with them.
Open the tins of condensed milk carefully using a cloth to cover them so to avoid being squirted by the boiling milk on initial insertion of the can opener.
Pour the now caramelised milk over the top of the bananas.
Leave to cool for half an hour then leave to set in a fridge for half an hour.
Sprinkle the Flakes over the cooled Banoffee and serve with cream.