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

Shocking. This bank has not changed one single bit. If it got the chance tomorrow it would do exactly the same thing. I do not believe for one minute that it was a systems failure. One bank's representatives came before the committee and told us that the tracker mortgages may have stopped because their bank was losing money on them. In answer to Deputy Doherty, Mr. Masding continued to say that it was a systems failure. He is the best company man that I have seen in here for a long time. However, he is certainly not a friend of his customers. I know I may be pushing the boat out here, but I am appealing to Mr. Masding and his colleagues to have some understanding of his customers and what they have gone through. I appeal to him to apply some flexibility, understanding and compassion to their cases. The witnesses' statement says it all, but the bank's actions are quite different. If Permanent TSB acted in accordance with the words that used in the statement, we would probably not get these text messages and emails.

Has Mr. Masding engaged with Padraic Kissane? I do not mean in his capacity as a representative of customers. Has Mr. Masding chatted with him about the overall issues around the tracker mortgages? Has Mr. Masding tried to learn anything from him, given that he is constantly named as the individual that knows most about these issues?