Bernard Durkan (Kildare North, Fine Gael) | Oireachtas source

That is true, but if legislative procedures are put in place - I agree with that - a common template would be required. That would not leave huge variation between the settlements, or lack thereof, as the case may be. What I have discovered through the years is that when a proposition to solve the problem is made by a public representative or a professional insolvency expert, the usual response of lenders, certainly to the politician, is that the proposition is unsustainable. My problem is that according to the lending agency the proposition is unsustainable, but that is not the case from the point of view of showing fair play to the borrower and taking into account the hardship incurred. However, that borrower and all other borrowers offered the lending institutions a far greater level of compassion by way of financial rescue than those lending institutions are now prepared to show to borrowers. That is my objection-----