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

There is a view among the public that there is a paradox regarding positive equity. Is one worse off if one is in positive equity rather than negative equity in terms of the banks? I shall outline what I mean and the delegation can answer both questions together. The code for mortgage arrears mentions that the banks have the option of providing a bonus as an incentive to people to deal with their mortgage arrears. How many bank staff are involved in that area at present? Is there a bonus or incentive scheme in place?