Kevin Humphreys (Dublin South East, Labour)
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Will Mr. O'Connor outline what he thinks is driving the bank's policy in this regard? I have no wish to be unfair to Bank of Ireland and I must state that a similar position was outlined by several of the financial institutions which came before us. Are policy statements of the kind to which I refer designed to get across a message to the effect that the banks are very tough on people who have run up debts and that they deal with them extremely harshly?