Mr. Brendan Burgess:

The ombudsman has a wider remit than purely law. The ombudsman can make a decision on fairness. We might look at something and one side of the room will think it is fair, while the other will think it is not fair. That is a subjective thing. I was contacted by a firm of solicitors which stated there is an implied term when you take out a mortgage that you will get the terms and conditions. What the ordinary person in the street thinks when they sign a mortgage is the Deputy's area of the law, not mine. I could not argue with that. I would have more faith in the Ombudsman but maybe we need a two-pronged attack and get the High Court working on this as well.