Mr. Padraic Kissane:

There are a number of areas to address. Any pressure that can come on the banks should be applied. The individuals dealing with this in the banks need to step up to address the matter. It is utterly frustrating that people such as Ms Niamh Byrne have to sit and wait in AIB for somebody else to dictate when and what will happen with regard to redress from Ulster Bank. It is not acceptable for Ulster Bank to leave Ms Byrne waiting and not knowing about the situation. I am not certain that I could design, in response to the question, what should happen next, but it is an enforcement investigation in Ulster Bank and that is important to remember. If other lenders are not in that position at the moment, it could easily move to that area. For the purpose of today, I am not avoiding the question, but it is a very serious question that would need much detail. I have thoughts on it but today is more reflective of what the customers have been through and brings home to the public, the committee, the Central Bank and, most important, to the offenders, namely, the banks, what has occurred and the effects it has had, because that is the part that does not get out.