Stephen Donnelly (Wicklow, Independent) | Oireachtas source

I appreciate that and have no problem with the legal letters being written. It must be deeply frustrating to have over one third of the customer base not paying anything. That must be a deeply frustrating situation to be in. The Government target is offers made that Ulster Bank deem to be sustainable against a set of criteria. I put it to Mr. Bell that while the legal letters may be necessary as part of the ongoing operations of the bank, they do not constitute long-term sustainable offers.