Richard Boyd Barrett (Dún Laoghaire, People Before Profit Alliance)
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Every member of the joint committee has expressed a frustration which represents the public view on mortgage relief and, though we did not go into it, lending to SMEs. We have invested a great deal in the banks and the public is getting very little in return. I ask the witnesses to disregard their current roles and to tell us objectively who is responsible for bringing about the change required to give us more influence over the banks we bailed out to effect greater lending and the writing down of mortgages to sustainable levels.