Richard Boyd Barrett (Dún Laoghaire, People Before Profit Alliance) | Oireachtas source

I have no doubt that people are not engaging with the bank because they are terrified. The bank must recognise its role in creating the fear and genuinely reach out to people by saying it will help people to stay in their homes if that is at all possible and that it is willing to take some responsibility for its role in the mess in working out a solution with them. If that message was sent, it would begin to change the dynamic.