Mr. Padraic Kissane:

There is an infamous case that I quoted umpteen times into tracker investigation called the Bogdan Matei case on the unfair terms in the consumer contract and the unforeseeability of increasing rates. That is European legislation, which will probably have to be enacted if it was with the ombudsman or the courts. That legislation states that if the foreseeability of the interest increasing is not within the means of affordability, it can be challenged as being unlawful.