Pearse Doherty (Donegal, Sinn Fein)
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I presume the bank had those contracts. If I was a person being overcharged and asked Mr. Cullen what he was doing by increasing my rate, I would have suggested looking at my contract. I am sure the first thing the bank would do is look at the contract and figure out, as the bank did six years later, that the bank did not have the legal right to do as it did. The bank should have realised that were it to carry on what it was doing, its actions would be illegal and would amount to overcharging by approximately €36 million, or €2,000 from each customer on average, without a contractual right to do so.