Mr. David Hall:

As with our own gathering of those involved, leaving aside commentators, it is a very small community of people who are actively involved in helping those in mortgage arrears in terms of providing services, help, guidance, advice and training between the collective. Regarding having a day with those people, I would also respectfully suggest that in respect of the Bill by the Minister of State, Deputy Kevin Boxer Moran, and all of the other legislation, we could have a day where everybody comes together. I would love to see what the Oireachtas would agree out of all the legislation that is there. This is an isolated cohort of people. It is not a current banking challenge. It is rubbish for the Central Bank to infer that mortgage rates will increase with regard to certain things that will happen. This is a finite group of people who have been abandoned. Conflating them with current customers and pitting customers and members of the public against each other to try to isolate and alienate these people is disgraceful. Involving all the parties, including those affected in whatever form - some are stronger than others - would help. I know the people affected by the tracker mortgage scandal were exceptionally strong in being able to speak but not everyone is able to speak. Many are broken and many have great challenges and difficulties in their personal circumstances, but the evidence is clear if people want to see it.