Ciarán Lynch (Cork South Central, Labour)
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Having examined the Ombudsman's report, AvantCard seems to be the agency with the most substantiated and partly substantiated rulings against it, at six and 27 respectively. Is there a theme running through all of those judgments or was there a broad range of complaints made against that agency? I ask the question because undoubtedly every person in this room has an account with at least one of the dozen or so agencies listed in the report, whether that be Bank of Ireland, Allied Irish Bank, Ulster Bank, AvantCard, Permanent TSB and so on. If I happen to be browsing on the Internet and I see that there were 11 partially substantiated rulings against Bank of Ireland, nine against Irish Life, 19 against Allied Irish Bank and so forth and I am a customer of one of those institutions, how would I go about finding out whether the complaints that were upheld might also apply to me?