Aideen Hayden (Labour) | Oireachtas source

We have listened to a number of financial institutions that have come before us. There seems to be a similar narrative and almost, to some extent, a similar percentage. There are a very high number of the bank's arrears that are over 90 days where it has not issued letters advising of legal action, rather where it has initiated court proceedings. That are a lot of cases where court proceedings have been initiated. Mr. O'Sullivan seems to be suggesting that the bank initiates court proceedings to bring people kicking and screaming to the table.