Mr. Padraic Kissane:

I will put a challenge to the committee on that. I started the tracker mortgage issue in 2009 when nobody listened. It took me until 2015 for people to listen. These people cannot wait six years for me to bang my head against the wall to get the door open. The Deputy is absolutely right. Something has to be done because these people are no longer 45 years of age. They are now 55, 65 and 70 years of age. As Mr. Hall said, this is middle Ireland who pays for everything. You are not going to see them marching on the street. They do not have the time to do it. However, maybe it will be appropriate to hear from some of the affected customers, similar to what happened with the tracker mortgages, to hear what reality is. When you have a performing loan that has been sold three times since it left Permanent TSB, all that has remained constant is the credit servicing firm. It is picking up its costs. Look at their staff levels have gone through the roof because it is a marketplace at the moment.