Mr. Dermot Sreenan:

I totally agree with Deputy Doherty. I have heard about in excess of 15 cases in one county alone where a dedicated mortgage arrears adviser has spoken to us about how the repayments are increasing. We must have the bilateral meetings and operate within the procedures. We try to address issues at a local level and then at a national level. We escalate it to the Banking and Payments Federation Ireland, BPFI, and if need be, we will go back to the Central Bank. We will also provide the data to Deputy Doherty.