Regina Doherty (Meath East, Fine Gael)
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According to the bank’s submission document, the various stages of arrears are either in a resolution process consensually - either the borrower giving back the keys and the bank pursuing him or her for the debt - or resolution through a legal process, which means that the bank has initiated legal proceedings. I appreciate that the bank’s delegation has answered the question on the provision against this debt. However, what options were given to these 4,000 plus families before they reached the repossession stage, options such as a mortgage-to-rent which comes to a miniscule amount?