Mr. Neil McDonnell:

It is made clear - and borrowers are required to sign their way through all this - that the deal is private and confidential and may not be referred to again. One might ask, once the deal is done, what recourse is available. Given the fact that most of these borrowers are dealing with the pillar banks, there is a genuine fear of retribution. I have experienced this in recent years. Even where the behaviour of a pillar bank was disgraceful and the member went to the media, he or she did so on an anonymous basis and would not have the name of his or her company or its directors put in the media.