Mr. Padraic Kissane:

Or put a timeframe on it and force them to get it done quickly. As I said earlier, so what if they get 2,000 people back onto tracker rates who maybe should not be on the rate? Why is it the other way around? It would be a crime, but what would happen if these 20,000 people decided to pay what they thought was the correct rate? The banks would then have to send out the letters and bring the customers to court. That would be a universal solution to the problem because it would be sorted out pretty quickly then. If the customer pay what they believe they are entitled to pay, and they can check independently if they set about it, that would be dramatic. If the customers did that tomorrow morning, however, it would be illegal.