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

The point is that when the individual takes action and tries to find out the details of their situation with the bank they are being stonewalled. They have to continue to pay the inflated cost of their loan while they are waiting for the Central Bank. It is clear from the correspondence that unless they take action, the banks will just ignore them. It seems to me that the banks are not prepared to get to the end of this by a long shot.