Mr. Padraic Kissane:

It is like any quirk. Something I say to all of the customers is that the court is public as well and one is bringing one's inner-most issues with regard to a family home to it. I do not believe it is for me to state whether it should or should not. I remain foremost in my purpose from the outset which was the customers and their cry for help, and can we get assistance to get this back.

On the issue of the broader aspects of it, the report of the investigation from the Central Bank will probably dictate whether that should or should not happen. People may well try to escalate it. I believe it would slow the matter at present. It has to be acknowledged that progress is being made, but at such a slow pace. If one is overcharged by €500 or €600 a month - it is going on now six years - to pay €600 of an overpayment one has to earn €1,200. This sector of society is the sector that pays the taxes, meets the payments and paid the stamp duty. They contribute a huge amount to society.

It is one of the concerns the Oireachtas has had in bringing in taxation or other means of creating income for the State. In the meantime, our banking sector, which we have supported, has been doing this. It is a perfect storm for the economy in terms of the businesses that are failing because of overcharging, the lack of availability of credit and the people who are going into arrears. It goes back to Deputy Michael McGrath's issue, which is that they are now essentially bank locked. That is the difficulty. There is a 3.25% and 3.67% margin issue. All these customers are bank-locked because they cannot move anywhere. It would be very easy to resolve. I made myself available to each of the banks. KBC is the only one that has not met me. It told me if it needed to meet me after the investigation it would. All of the other banks have met me. In November 2015, one of the main banks denied that anybody was going back to tracker mortgages but four months later, it made a provision of over €140 million. Why did it change in three months? The bank knew exactly where it was going because there had been 400 or 500 people working on the project for two years at that point. I have concerns. I understand the question but it is not my game. It is not my fight. I have taken on the issue on behalf of the customers. I want to unite the customers into one informed voice and challenge the remaining issues through the courts and see what happens.