Richard Boyd Barrett (Dún Laoghaire, People Before Profit Alliance) | Oireachtas source

I do not mean to rush Mr. O'Sullivan. I understand he is trying to answer my question but I have a limited time to ask questions.

Let us look at the scenario in which a family has filled out all of the financial statements and given up their home, which is a pretty big sacrifice. The bank knows that their income is very low and that they do not have anything to spare; they are in the private rental market now, with rents going through the roof, and they are on the council waiting list for housing. I do not see how the banks can justify chasing such people for the residual debt. If the bank thought that they were trying to pull a fast one and had evidence to that effect, that is a different matter, but I do not see the moral hazard involved in such cases. Surely they have paid their due in terms of-----