Arthur Spring (Kerry North-West Limerick, Labour)
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This is a fundamental question because I have been given figures which suggest that where Bank of Ireland has been the lead creditor, it has voted against the acceptance of the personal insolvency route, but where it has been the unsecured creditor, it has voted for it on every occasion. That skews the results in favour of the bank. It meets its targets but it is keeping people on the line and ultimately the deal it is proposing is the only deal in town. That seems to be the robust attitude Bank of Ireland is taking with people, particularly with regard to PDHs.