Mr. Padraic Kissane:

The definition I would put on that is that the cases that cannot be argued by the banks are back on the correct margins. The cases that can be argued by them are not. That is probably a very facile reply to a very serious question but it comes back to what I am saying. One of the reasons this has taken such a length of time is that I am certain the paperwork associated with the level of loans that was done was all over the place. One client I had engaged with from 2010 or 2011 got a letter in 2013 to state her deeds were registered. She asked me if this was good news, and I told her that it certainly meant that she was included in the process and at that time it was an Ombudsman case. The reason I said that was that the bank had only registered the deeds eight years after the loan was done, so there was a catch-up happening. A bank manager, whom I will not name, nor the bank, told me that he had to get €7 million out the door every week and that they did not care how he did it.