Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

I brought to the attention of the Central Bank and the Minister for Finance a policy which was at the heart of Bank of Ireland, whereby in the case of mortgages for non-PDHs which required restructuring and the mortgage in question was a tracker mortgage an automatic 1% was added to the tracker interest rate. I have been informed that is completely against the spirit of the law. What is the view of the ombudsman on something being a policy rather than an individual assessment of a mortgage and whether this beneficial or not to the customer? Are cases where a restructured non-PDH tracker mortgage had 1% added to the rate in keeping with-----