John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

That is shocking in itself.

There is not a single member of this committee who would not want to do something for Mr. Byrne and Ms Irwin to alleviate the issues they face. I am delighted both have come before the committee to give their experience of what it is like to be with a vulture fund and to deal with an issue like the increase in the rates and not knowing where they will end up. That is an addition of two miles to the end of their tunnel with no light at the end.

I refer to the offer Mr. Byrne made to Pepper Finance on a loan that was possibly discounted to the tune of 50% or whatever it might have been. Pepper Finance can answer that question for us, if it wishes. Pepper Finance is more than welcome to come back to the committee on that. It is like punching in the dark.

All I can say is that this committee will renew its efforts with the Central Bank. We will invite the Central Bank to come in to answer the queries members have put today, and in particular questions the from Ms Irwin and Mr. Byrne. If they do not mind, the committee will contact Pepper Finance about the details of both cases and to see if the committee can apply any pressure, or has leverage, to set a template, not just to deal with Mr. Byrne and Ms Irwin, but also to deal with others. That is what I, and I am sure the members, will commit to today. Do Mr. Byrne or Ms Irwin wish to make any further closing remarks?