Mr. Gerry Mallon:

Again, I share the Deputy's frustration. I will not attempt to defend either the fact that the bank was overcharging or that the process for the restoration of customers to tracker rates has been frustratingly and unacceptably slow. I reiterate my invitation for the Deputy to meet the team that is working on this to understand the degree of complexity, the honest endeavours which are being undertaken, the hours which are being worked and the best efforts the bank is making. I can assure the Deputy that we are not in any way dragging our heels on this.