Kathleen Funchion (Carlow-Kilkenny, Sinn Fein)
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FLAC has made several recommendations, including a mortgage reschedule tribunal, which it envisages as an appeals mechanism. Will Mr. Joyce give us some more information on that? I think that would be a good idea. I agree with the point Mr. Joyce made about not having an appeal. I used to work for a trade union. One of the fundamental things we always argued for was the right of everyone to an independent appeal. The fact is that we do not have this for people in mortgage distress. The committee could possibly explore these options more and it would be helpful to get some more detail on them.