Ms Helen Grogan:

I would certainly like to see the Central Bank being able to stop the ordinary banks changing definitions and terms and conditions just like that, as they did with the discounted tracker mortgage product. I went to Educational Building Society for my mortgage. I went to Permanent TSB, which is also a building society. I went there because I trusted that building societies had my interests at heart. I have lost complete faith in the banking system now. I do not trust banks at all. I go to them with a wary eye knowing that they are not really on my side. They just want to make money. I, as a customer, do not really matter. They use all the "good customer" speak of looking after the customer, but they are not really; it is just words. Therefore, I do not trust them any more.