Kevin Humphreys (Dublin South East, Labour) | Oireachtas source

I accept that totally, as a credit union member myself. My point, however, is that the example Ms Motherway gave referred to the additional interest rate which would be returned on a lump sum. When one's circumstances are very tight, one would do well to meet one's loan repayments, let alone accumulate savings at the same time. Whenever I had a credit union loan, my ambition was to clear it as quickly as possible. Adding an additional percentage to this could put people under intolerable pressure.

We engaged in a discussion at one of the earlier sessions in respect of flexible or top-up loans. What are Ms Motherway's views on that matter?