Rose Conway Walsh (Sinn Fein) | Oireachtas source

I just cannot figure out how the legal people did not pick this up. If somebody is looking at a contract and customers were contacting the bank at the time, I cannot understand how the legal team was not aware of it. We seek legal opinion all the time on different matters here. Why is it that none of the legal advisers said there was illegality and that the bank was going to do something illegal if it continued taking this money from people or not giving them their contractual rights? As an ordinary layperson, I cannot understand it.