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

Do not be afraid to profess it because that might be the answer. The fact of the matter is we have the banks on one side and we either wait for them to sort out the situation or the tracker mortgage campaign takes the class action as a group and encourages people to come forward or the people do not repay the miscalculated mortgage loan and they pay the correctly - in their eyes - calculated mortgage and one takes it from there. They are the three options.