Mr. Padraic Kissane:

The bus in the infamous ad where a person does not know what a tracker mortgage is should have been full of bank executives and board of directors. They were the real people who did not know what a tracker mortgage was, or the consequences of one. The next definition that will be up for debate is, what is a pillar bank? I do not think the current design matches what the Minister for Finance believes a pillar bank should be. I think there needs to be some empathy shown for what people went through, and an understanding of the causes and effects. Some of the top bank officials have not had to make choices for their children in the way that visitors to my office have. It is truly appalling that, having engaged in a voluntary scheme intended to resolve these issues in a speedy manner, people are now receiving the types of replies they are. It is a continuation of the wrong. These people have gone to the trouble of opening their hearts and their souls to me, and are then simply told, "no".