Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

I just wanted to get witnesses' observations because in the previous session, I raised the case of one institution which has become very aggressive recently, namely, Danske Bank. It is coming out of National Irish Bank, which would have a broad range of customers. People are coming in to me who are in positive equity. They are, effectively, getting voluntary surrenders. Am I right in saying that being in positive equity is an impediment to getting any sort of resolution?