Mr. Brian Kealy:

Some people have remortgaged again and have managed to complete the training but others never completed the training. Essentially, they have nowhere to go. We would not be able to gather the money together to take action against the IAA. Even though the IAA has significant responsibility in this area, the legal advice we received, which was provided free, is that pinning it on it, legally, would be difficult. We have pursued the company itself but it has no money. We have no way of getting at the directors of the company. We do not have the cash to do that. We gathered together approximately €15,000 in the early days to employ solicitors, who actually did approximately €30,000 worth of work on our behalf but accepted only €15,000, but we did not have the money to take the matter to the High Court. We were told that to take an action against the IAA we would be required to put cash upfront.