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

I am not letting this go, sorry. The Consumer Credit Act 1995 states: "An agreement for a housing loan shall contain on the front page a notice in the form set out in Part II of the Third Schedule of the Act."

The form in question includes information on the date the loan was given, including the amount of credit, the period of the agreement, the number of repayments, the amount in euro of the cost of the loan, the total amount that would be repayable, the cost of credit, the annual percentage rate and so on. This is in the legislation so when I read that I thought that it cannot be as onerous a task as is being described. One is getting this contract which sets out on the front page exactly what was described to the customer on that day. That is a fact. That is what it says here in any case. If that front page is on every agreement, that information jumps out.