Mr. David Hall:

The issue is that if one has lost one's home some other vulture will come knocking at one's door for the unsecured debt. Ulster Bank is looking at doing the same at the moment. This is a huge problem. With the greatest respect, and from a legislative perspective, one cannot ask a banker to do something and expect him or her to say "Yes," because that does not happen with a voluntary mechanism. The only language that banks understand is the law, which is still questionable.