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

I am not asking for an answer on an individual case but rather for a comment on the general approach of the bank to such hard cases. I return to the independence of the process and to seeking examples to determine what is happening and the processes of the bank. In one such case, a person involved in the financial services industry discovered that the file that was being considered by the bank in an independent appeal by Grant Thornton was incomplete. The person had the full file and the pieces that were missing made a difference to the outcome. The person appealed to the bank for an oral hearing and asked to put the case before the bank. The request was constructive and professional but the answer was "No". I acknowledge that is an individual example but it brings us back to the question of how far the bank will go to ensure that any process teases out the issues to the end. In the examples I am providing, the individuals do not seem to have felt that it had been worked out to the nth degree, where both parties were at least convinced by the process.