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

I am talking about the cost of funds because I am looking at the cost of funds and the other methodology for calculating the interest. It was down to the same thing. It was the cost that drove Bank of Ireland to change its mind on the trackers and on the commercial mortgages. It is reasonable for a customer to offer that as an argument for being overcharged. That was my point. I will leave it at that because I will give the witnesses the correspondence.

Ms McDonagh answered an earlier question about the payments. In December the bank made an offer to a customer and gave the person a payment of €250 for the independent legal advice. When did it change again?