Mr. Thomas Ryan:

Everybody under Mr. Kissane's wing would agree with that fully. He seems to be the only person out there fighting for us and we can honestly say that he is there for us and is genuinely trying hard instead of fluffing us off with crap because all we are getting is crap. He is right. The integrity of the banks in all our cases - all the lenders across the country, whoever is affected by this - is zero. I reiterate that one thing that should be looked is the customer appeals panel. The customer appeals panel has a member from PTSB. It is supposed to be independent but is it not very stark that not one of them put it satisfactorily to the independent review panel? It did not see fit to put our case and many other cases to an independent panel. It is a joke that somebody from the banks is on the customer appeals panel.