Aideen Hayden (Labour) | Oireachtas source

My concern is that there is no independence in this process. What is deemed to be sustainable is entirely determined by the bank, and there is no independent review of that. That is the first point. The second point is sustainability. Can the witnesses tell me the number of mortgages that are in arrears of more than 90 days that they have deemed to be unsustainable? The reason I am concerned about this is that the insolvency process, which we all hope will push many of these situations to a conclusion, cannot be accessed by borrowers who are deemed not to co-operate. The bottom line is that Bank of Ireland is not a statutory body, yet its decisions have implications for people's capacity to access a statutory solution. Do the witnesses have a view on that?