Ciarán Lynch (Cork South Central, Labour)
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It is propping up another area. For example, the insolvency service is keen that people have access to what Deputy Heather Humphreys referred to as emergency credit for a funeral, a car or whatever. That is fine if one is in the big game and one is in the insolvency service, but if one is broke and living on subsistence or from pay cheque to pay cheque, one is in difficulty all the time. When an emergency pops up, there has to be some route. Credit union managers are saying to me they need a degree of flexibility where they can give Mr. and Mrs. O'Sullivan €1,000 to change the buggy or whatever, that they can step out of the regulation, as it were, in some structured environment that recognises such people still have debts to pay. This is an emergency facility and should not just be available to the insolvency service.