Mr. Padraic Kissane:

I will summarise some points. I have a host of staff from these very same banks in my office attempting to get their tracker mortgages back. I have staff from the auditing firms in my office trying to get their tracker mortgages back. I have staff from the legal firms in my office trying to get their tracker mortgages back. There is an issue of fear among the staff of these banks. They are afraid and many are told to drop it because it will affect their careers. One man who was told that had to move to a back-office position as a result of the fitness and probity concerns about the overcharging that went on. It resonates everywhere. I thank the bravery of the four witnesses because I know how difficult it is to go public on the matter. To go public about one's personal account is difficult. People who cry in my office do so for a reason. I have sat through hours of those tears. It is not acceptable. We ask on behalf of the thousands - a number that continues to grow - and especially the children and families, who the hell did they think they were to do what they did?