Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

That speaks to the culture and the problem in the bank. Mr. Verbraeken has acknowledged that some customers were denied their legal contractual rights, but bankers are unwilling to say they broke the law. Is it not fair to say they broke it? Some customers had a legal contractual right to a tracker mortgage rate, but the bank did not provide it, for whatever reason, whether it was systems, information or any other excuse. There was a legal right to a tracker mortgage rate, but the bank denied it to some customers. Why is Mr. Verbraeken not comfortable in saying this? AIB stated it. It told us that there were cases in the bank in which it was very clear, written in black and white, customers had legal rights and that the bank had denied them these rights.