John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

Okay. Let us start with that point, to try to tie in with Mr. Kissane's presentation. Surely the reason behind this is to protect the consumer and to give redress to those who have been very badly affected. The effects were outlined in Mr. Kissane's presentation, on which I cannot agree with him more. I have met these people in my clinics and many Members of the House have seen the same thing. Should we not first call for the scope of the guidelines to be published in full and to include the various aspects of the cases we are talking about? When a person had lost their home through the loss of their tracker mortgage - I am amused by the term "voluntary surrender" - the banks took it back and the person lost it. People went abroad and ran away from the situations because they were forced to run. Should all of that, first and foremost, be part of the guidelines so we can get a really true picture of what went on here?