Mr. Padraic Kissane:

It is important to differentiate between the current ombudsman and his predecessor. Under the current ombudsman, Mr. Deering, the service provided has changed. I had very little faith in the previous ombudsman. Four bank customers came to me after bringing cases to him and being ruled against. The facts of those cases were identical to two cases that I had won. I brought the cases to the former ombudsman and asked him to explain the reasons for that.