Mr. Padraic Kissane:

It is, absolutely. More care is being given at the moment to getting it right rather than getting it done fast. Would it not be great for me to come back before the committee and tell Deputy McGrath that 1,000 customers who had been treated incorrectly were restored? That is not likely to happen because of the rush to get it done. Would it not be shocking to have to say that? The customers know they are right.

I will try to put it across in another way. To even think about doing it is wrong, then to do it is wrong. Moreover, to attempt to stand by and let it continue is morally deplorable. I am challenging them all the time. There are units in which only a certain number of people are allowed to talk to me. However, I am going to keep talking. If I unify the customer base, then the banks are going to have a concern. This is because when a number of customers are unified, everything that has happened to each of the customers can be corralled into the same reply. Then, suddenly no customer gets anything that another customer did not get and there is collective treatment on account of being the same. That is one of the difficulties they have had. I know the mortgage that has no margins stated in the arrangements is replaced at 0.8%. I know that other mortgages that have no margin stated are at 3.25%. However, if I did not try to join these together collectively, they would probably have had far more success.