Paul Murphy (Dublin South West, Solidarity) | Oireachtas source

Let us forget about the individual case and take a hypothetical situation which parallels the one I have outlined. I am on a two-year fixed rate some time in the years between 2000 and 2010. I come off the fixed rate and at that stage tracker rates are available to customers coming in off the street. I go into the bank and EBS provides me with a series of options on a piece of paper indicating what I can move on to. A tracker rate is not included in those options, even though I have a legal right to access a tracker rate. Does Mr. Kinsella accept that that is a problem? Does he accept that I, as a customer with a legal right to access a tracker rate, should have been provided with documentation outlining that right to me?