Mr. Alan Jackman:

The Chairman is dead right. As another Deputy said, although I had a dispute with a bank, which I brought before the ombudsman, the issue that brought me here is the conversation I had with the regulator after copying him on those e-mails. I was sending him convoluted information regarding my issue, and he said it was serious. There is a major imbalance in power between the bank and the individual. While I had no debt issue, a person in a dispute with a bank can suffer an extraordinary level of chronic stress. Given that the ombudsman has no power and it is not appropriate to go to the Garda Síochána, a person's only source of protection is the regulator.