Mr. Lorcan O'Connor:

It is having a detrimental effect. Many more people could be passing through the service if the process was working as designed. Keep in mind the level of protection that exists within our legislation to ensure that no party is unfairly prejudiced. The Deputy will be aware that several provisions and mechanisms are contained within the Act to ensure that the process is fair. Bearing in mind that these exist, it is disappointing that people are not working with the legislation to deal with these non-performing loans and keep people in their homes as much as possible.