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

I understand. I am just asking. I note the type of information to which Deputy Michael McGrath referred earlier which comes to committee members. People tell us that from 2012 or 2013 onwards, it has been extremely difficult to get in touch with Pepper. Others say Pepper has never engaged with them. We are told receivers are appointed and there is then no engagement with them. Receivers collect the rent but there is no evidence it is paid against the original debt. In some cases, individuals say they have lost their businesses over very small debts with no recourse to Pepper, which simply refused to engage. In one instance involving Sheldon, which is another company Pepper manages, it was then discovered that Mars Capital were in it as well. My point is that there are examples where customers have attempted to engage with Pepper and found themselves apparently associated with one vulture fund and another. A receiver is thrown into the mix and, in spite of the best efforts of the person who had the loan originally, no solution is proposed. It gives the impression that the individual has no chance against Pepper. People feel bullied and harassed in their engagement with Pepper. I am only reading from examples of emails I have received and I have been asked to put that to Mr. Ryan today. There are real cases behind those allegations. As Deputy Pearse Doherty set out, it moves on to no signatures on transactions and no approval from the person who had the loan. Obviously, Pepper is working on the fine print and being enabled to pass on the loans. As a result, the customer does not know where he or she stands. With those cases coming to light because of today's hearing, what is Mr. Ryan's response?