Ms Isolde Goggin:

The reason we are not to the fore is that there is a specific regulatory agency in the financial services sector with the powers to carry out investigations and to get redress. In regard to our role in competition, we have not seen any specific evidence that we can use to ground an investigation.

I have said it previously and am saying it here that if people have information, they should come forward. There has been mention of the number of people in the banks. There must be people who are sufficiently annoyed with the banks, even current or former employees of the banks, that they would face the undoubtedly difficult task of being a whistleblower if there is evidence to give us. It goes beyond that. I would love to find out what was going on in the banks. Were people rewarded and did people get a bonus for selling products wrongly? It is something that must come from the Central Bank's investigations.