Mr. Tony Lawlor:

That has been a great disappointment to me. We laypeople place our trust in these people and in policymakers to make the right laws in order that we will be protected. We place our trust in these people and they are given oversight by regulation to protect us. Some very simple examinations by the court, within its remit, would have identified certain issues. One simple example is that if the bank had calculated my liabilities at the rate they had identified in my business record, I would not have been arrears in 2014, and the banks would not legally have been in a position to issue a demand letter to tell me to get out of my home within seven days or immediately pay back the money I owed. That was a simple exercise the courts refused to examine.