John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

It was not somebody at the front desk that decided about the tracker mortgage matter. That must be accepted. Somebody at the front desk did not dictate the interest rates or decide not to answer these customers or tell them there are no phone records. The person at the front desk did not decide what to do in the case of PTSB. None of these people was at the front desk. These decisions were made in the boardrooms of these banks. If each board of each bank made the same decision at the same time, that stinks of a cartel. That is what the people believe. They see the agencies of this State that are there to protect them standing idly by from 2009 until recently, when this whole matter blew up. Has the commission ever spoken to Mr. Padraic Kissane?