Mr. Padraic Kissane:

It is important that it is understood that first of all, the appeals process is voluntary. The banks had to adopt it. As the Central Bank said to me, it designed a process that was not in existence. My reply was that it did mean it could not be improved. Unfortunately, the PTSB people have essentially become guinea pigs in the process because, as I said recently, the investigation is nearly becoming an investigation. The investigation is widening its scope and that is why the numbers are going up. It is because if we properly applied the directives and the laws in place to prevent this from happening, it was a certainty that there would be more cases involved. I have cohorts of affected customers in every single bank, including the banks that moved further down the line, and there should be redress for them. The game that will commence involves those who the banks state are not affected and those who I stated are affected, which is a further frustration. This is the kernel of what is coming next because there is no way I will end up with 5,000 accounts sitting in a waiting room because the process of investigation has failed them. It should not be allowed to occur.