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

I want to challenge Mr. Burgess on the example he gave us this morning, which is not a typical example. I too go down to the courts. What I see when I go down to the registered courts is a stack of legal individuals on one side, mainly with the banks, and then some lay litigant or lowly solicitor on the other side trying to do battle. In an awful lot of those cases, they tell me, and I have heard this said to the registrar, that they have tried their damnedest to do business with the bank and it has refused to engage. There is a significant number in that category. Most of the adjournments that I see are adjournments asked for by the banks, because they are trying to kick the can down the road to defeat the individual, to beat them up further and to leave them without any dignity. That is what I have seen in the banks. That is my answer to the typical, or not-so-typical case that Mr. Burgess put forward.

I have engaged with the vulture funds, and I have engaged with their front-of-house regulated agents.

The way they treat people is horrendous. The witnesses referred to ten principles, I do not know what country was mentioned -----