Mr. Tony Lawlor:

Yes, that document is dated 1 April 2005. It identifies with my mortgage account number and the tracker criteria that the bank requested in order to qualify for that tracker rate. The significance of that document being given to me when it should have been given to me would have made all the difference in the evidence that I could have laid before the register's court, the Circuit Court and that I could have laid before the High Court on appeal. In preventing me from seeing that document, it destroyed any defence that I could have put to the claim that the banks were making against me. When presenting it to me following the legal process, the bank's way out was that the matter was already before the court so "goodbye".