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

I do not believe there is any contest on that. If a hypothetical customer in the mid-2000s asked for a tracker rate mortgage, he or she would have received it. The question is whether EBS fulfilled its obligations under the consumer protection code by not providing written documentation to make it clear that I was entitled to access a tracker and instead, as far as I can make out from the response of EBS, effectively relied on the fact that I should have known about it because there were advertisements on billboards.