Mr. Padraic Kissane:

From my experience to date, I can certainly state that prior to the Central Bank investigation, cases against the AIB and Bank of Ireland were won. I have managed to get them included in the redress process. Any of the engagements are being honoured. I was paid a completion fee or a success fee if I won the case, because the ombudsman did not award costs. As such, the costs had to be taken from the interest that was refunded. I believe that all those costs should now be repaid by the bank.

If somebody came to me in that position and they had incurred legal costs of €5,000 in challenging the issue, it would be a matter for the appeal. I would bring it in as part of the appeal, and I do not see how a panel could refuse it. As I have said to many of the banks, all the people who have been engaging with me, some of them since as long ago as 2010, have helped to inform the investigation. I do not see why those people should be charged any more or less than those who did nothing about it and did not even know it was an issue.