Mr. David Hall:

Mine is turned off. There are those who are eligible for social housing who would be eligible for a mortgage-to-rent solution. Mortgage to rent should be a compulsory solution before any court in the State grants a repossession order. There are those who have engaged with the bank and given their financial information statement but who are unsustainable and do not have enough money to make payments. There are also those handful of messers who have been offered solutions and have declined those solutions. Those are the three categories this committee and the Central Bank should be able to provide for. There will be a significant number of people who have not engaged. We can only speculate on the reasons they have not engaged but our evidence clearly shows an inability to pay. That is fundamentally the underlying issue here. This is not about vulture funds. It is about inability to pay and people who will lose their homes.