Martin Browne (Tipperary, Sinn Fein) | Oireachtas source

I would appreciate that. I have a couple more questions about the attitude of the banks and the insurance companies, before Deputy Buckley comes in. From dealing with the banks on the tracker mortgage issue and insurance companies on the interruption clause and premiums, can the witnesses tell us whether there has there been any reform in the attitudes of the banks and insurance companies across the whole sector? What level of resistance, if any, do the witnesses encounter when engaging with them? I ask that to get an idea of whether there has been any institutional reform within the sectors.

The ombudsman stated a number of tracker mortgage complaint files have been reopened. Can he explain what has led to that?

A person has written to the committee to state that the Financial Services and Pensions Ombudsman will not accept a complaint about a bank account that has two names on it unless both people concerned sign the complaint. Is that correct? Can our guests comment on that?