Mr. Feargal ? Coigligh:

The homeowners are raising issues that they feel need to be raised. The Department is not shying away from any issues but the Department has to operate a scheme which has been laid down by the Oireachtas and by legislation. Those are the tramlines within which we operate and what we can do.

On access to finance, the financial institutions have a role in this space and, again, we have dialogue with them if there are issues around that.