Pearse Doherty (Donegal, Sinn Fein)
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We all have to acknowledge that there has been a transformation in respect of how the office of the ombudsman deals with these cases and how financial institutions are engaging to try to resolve them informally, through mediation and through the decision process. There has been a step-change in how the office is dealing with this in respect of a large number of cases. I understand that in excess of 80% are now dealt with through mediation. It is 60%, the Minister of State tells me. That is under the existing legislation, which provides that the Office of the Financial Services Ombudsman "shall"-----