Ms Áine Carroll:

Regarding the vulture funds and whether we see a continuation of chunks of non-performing loans being sold off, it is even more important that certainty surrounding repossessions is put in place before that happens. Otherwise, one is closing the stable door after the horse has bolted because if that certainty is not there, vulture funds, by their very nature, will probably go for the quickest and least humane solution to repossessions, and this could lead to catastrophic outcomes for people. If a system can be agreed as a national policy on repossessions that addresses, in so far as it can, a balance between the rights of the borrowers and the rights of the lenders, doing that in advance of further sales of loan books would be a good place to start.