Mr. Padraic Kissane:

I send in the appeals. We sit down and assess them beforehand. People open their hearts to me and tell me their stories. I write them down, submit them and then get a reply from the panel. I call it the copy and paste reply. It says that it has not been proven that the economic issues outlined or the non-financial losses claimed were caused by a failure by the bank. As a financial adviser, I find it truly astonishing that it can be claimed that overcharging of €500 to €1,000 for six years would not result in any non-financial consequences or financial losses. The other panel gets it. I am making the same appeals to two panels. I find it rather astonishing that I make no progress with the panel on that includes a bank representative.