Mr. Brendan Burgess:

There are two different cohorts. There are people who are not engaging and who are paying nothing and there are people who are doing their best and are being frustrated by the banks. Dealing with the banks is a very frustrating experience for the borrowers who are trying. It is very clear to see in the registrar's court, particularly in Dublin. The registrar has no patience with the messing from banks. She orders the banks to, say, have a meeting with a client within two weeks and come up with a solution. I am fully behind the people who are doing their best. They should not be in the court and if the banks were clever, they would not be in the court as the banks would be focusing on the people to whom I refer.