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

He goes on to make another comment that is accurate in part but is also inaccurate. He said that the protections follow the loan and that these vulture funds have to acknowledge the protocols that are in place. He knows damn well that is not the case. He knows the reality is that once a person's loan is transferred to a vulture fund, he or she is in trouble.

That is not inflammatory or inaccurate. It is a statement of fact. In support of that statement of fact, according to the High Court lists, most of the cases before a particular Circuit Court are vulture funds, including Start Mortgages, taking cases against individual homeowners. Will Mr. Masding tell the committee the number of cases PTSB has before the courts relative to home loans, including buy-to-let and owner-occupier mortgages?