Mr. Padraic Kissane:

Without a doubt. Members of the public should not have to ask me to present their cases to the financial ombudsman. The latter was set up by the Oireachtas to address the perceived imbalance against consumers when challenging financial institutions. The process that was in place until recently did anything but that. I asked the former ombudsman why the uphold ratio in the UK was 55% and was told it is a more informal process.