Rose Conway Walsh (Sinn Fein) | Oireachtas source

I appreciate that and I definitely think that a gap exists.

The ECB has instructed that the non-performing loans, NPLs, be reduced but not how it should be done. This committee always has tried to encourage the position that NPLs would not just be sold off but that banks would try to work with the customers to work things out. The witnesses have noted that members know a lot about this matter. The same applies to the witnesses in respect of their role and in terms of the judicial system. I have sat in on these court cases and they have first-hand experience of what it is like to deal with some of these banks and how the banks would choose to sell loans at a hugely discounted rates rather than to give it to the original customer or give him or her a discount. I am sure the witnesses will be familiar with all of those behaviours.