Bernard Durkan (Kildare North, Fine Gael)
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The word "sustainability" is used regularly. The lender determines whether an individual's capacity is sustainable. Deputy Cowen referred to the right to appeal to the courts. What has been the experience of those who have done so? The banks said three, four or five years ago that mortgages were sustainable and awarded loans on foot of that. Now that they are totally unsustainable, there has to be an answer to the question that arises.