Ms Julie Sadlier:

It turns on two issues. First, the criteria for that type of resolution are not adequate to cover all the people who need it. It applies to a very limited group that suits the banking sector and its issues. My other problem with anything to do with more advice and resources is the fact that despite the length of time we have been trying to sort this we are getting nowhere. Hand on heart, we see no permanent resolutions, as the Deputy calls them. They all have reviews built into them.