Mr. Matt Carthy:

I do not have much to add to what Mr. Hayes said. It is clear that the onus is now on Permanent TSB to examine its own legal structure in terms of addressing these issues. We can wrangle and have all these disputes or discussions with the SSM and at committee meetings but, ultimately, the outworking is such that people are living in fear for their homes because of the handing over of portfolios to vulture funds.