Rose Conway Walsh (Sinn Fein) | Oireachtas source

I understand that. However, customers who have been involved in this process since it began three years ago are at their wit's end. They cannot get answers to the most basic of questions. I will give one example. A person was on a tracker for months in 2007, then moved to a fixed rate. The bank says that the person involved decided to go onto a fixed rate mortgage and, therefore, it is nothing to do with the bank. These are basic scenarios which should have established answers. There should be no ambiguity about these cases. There were other questions about interests rates at a particular time. A letter said that the tracker mortgage averaged 7.9%; that interest rate clearly is not correct. The witnesses should know that the banks are telling consumers that a lack of decision-making at the Central Bank is holding things up.