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

These are not just words that are made up and put out there randomly. I say this to Mr. Makhlouf out of experience of the tracker mortgages, EBS and Belfry. They may be historical issues but they are not actually, as EBS is still not resolved. It shows the intent of a big bank not to recognise its failings. That is what it tells me. The constant measurement banks take seems to be whatever they can do to keep the thing going until such a time as they will all give up, be dead or have moved on in life. For example, on the mortgage-to-rent solution, a family with serious medical issues - their house can be described as a small hospital - had their house sold out of the blue. They did not even wait to work through to the end and they were almost at the end. Vulture funds sell on the loan to another vulture find and there is no process shared with the next buyer to relieve the load of the person concerned.

We have a copy of a letter that was sent to Ms Rowland. It is about Start Mortgages and a customer who was deemed to be on a tracker mortgage. It pursued him and broke the man. It never acknowledged that the bank that was selling on the loan, namely, Ulster Bank, had actually deemed this to be a tracker mortgage issue. These are the things that are happening. While it may not be driven by the boards of banks, because of the size of all of these operations now, a member of the public finds it extremely difficult. For the elderly it is difficult to deal with these people.