Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

At the other end of the cut-off there are customers who made the application in September 2006 so it was before the existence of this flyer. They challenge that KBC has used the application as the cut off. They make the legitimate point that it is not complete until fully signed and reviewed by all parties, legal advice is sought and when the mortgage is executed. If it was within the window during which this flyer was in circulation, then I believe they have a very arguable case that they should be included. The bank, however, has taken a different view.