Aideen Hayden (Labour) | Oireachtas source

On that point, I will give a practical example. I am dealing with one borrower who is prepared to make all of the repayments and yet the bank is not prepared to do business because the second borrower will not co-operate. If one had a different situation where, for the sake of argument, one was a mark and the other one was not, the bank would have no difficulty in pursuing the mark, and it is quite amazing that the bank cannot put in place facilities to engage with a borrower who is engaging.

On that point of non-co-operative borrowers, which is a matter for the Central Bank when we have it before us, I have a question. Permanent tsb does not have an independent appeals process. None of the other banks do. Is it reasonable that a body such as permanent tsb that does not have an independent appeals process, that is, a non-statutory process, can be in a position to deprive somebody of a statutory solution?