Pearse Doherty (Donegal South West, Sinn Fein) | Oireachtas source

Mr. Duffy has spoken to the committee about the lack of trust in financial institutions because of the wreckage they caused, and the need to have a third party, the Irish Mortgage Holders Organisation, IMHO, assist the bank in encouraging people to engage. It has been suggested to the committee that the engagement is nothing more than handing the paperwork to the bank. Can Mr. Duffy elaborate on the engagement? Is there real negotiation that can benefit the bank and the customer?