Mr. Pat Dawson:

It is widespread. The Senator would not believe the way these companies act. They have no manners as such. I know of small travel agencies that were told that unless they sent €40,000 or €30,000 to the merchant service provider within two weeks, they would be cut off. These companies have no manners or ethics whatsoever and they will shut businesses down. It is a widespread issue but it comes out of the blue. It is not flagged in advance. The companies just say this is the rule and that the businesses can take it or leave it. They do not care who they close down. The Central Bank and the other agencies that regulate these companies really need to get involved. I hope the committee will be able to assist in that regard.