Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

There is obviously no point in dealing with this issue much more because Mr. Masding has made his statement. He will continue to dress it up and present it in the way he has as a systems failure. It was not a systems failure. A systems failure is when a computer throws out an interest rate that is wrong. This was people at the end of a phone saying "You have put me on to the wrong rate. I want my tracker rate back". Decisions were taken by individuals within the bank to say "No, you're not entitled to that tracker rate back." That is not a systems failure. Decisions were taken within the bank at a high level that were being filtered down to staff who were answering phones.