Mairead Farrell (Galway West, Sinn Fein) | Oireachtas source

That will be of huge concern for people. Some of my constituents have had their loans sold on and they have received very threatening letters from companies and so on. Those letters did not have any legal standing. In one particular case, such a letter arrived a week after a member of the person's family was buried. I am quite concerned about this. Ms Howard said protections remain in place, but what does she mean by that? How will this affect people's credit rating? What protections can Ulster Bank provide to these people if it sells off their loans in a non-performing loan sale?