Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

I accept that. My point is that the high level of successful appeals should be a cause of great concern. It is a vindication of the work Mr. Trethowan's office is doing but it is also a measure of the failure of the banks to deal with credit applications fairly. So many more credit decisions which would have similar characteristics to those upon which he is adjudicating are just not arriving on Mr. Trethowan's desk. My concern is that the work of his office represents only the tip of the iceberg in the context of the problems people are experiencing in obtaining credit. The fact that almost 60% of appeals are being upheld should really set alarm bells ringing in the context of how the credit functions within banks are operating.