John McGuinness (Carlow-Kilkenny, Fianna Fail)
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He represents customers of KBC. However, in the overall context of the handling of this issue, to be helpful, I am trying to arrange a meeting at the highest level within the bank to clarify some of the issues because I do not have the time to go through each one. That would be important for clarification between Mr. Kissane and KBC and that would serve the committee well in our learning process regarding what transpires in the bank and how these issues are dealt with. It might also help us to deal with the huge number of emails we receive. Even the recent emails continue to complain about the processes within the banks and the outcomes. I will not go through them all but I have one example from an individual who accuses the bank of ruining her life. It took away the joy and wonder of a mother's first years, destroyed her son's right to be raised in a home and goes on to discuss the possibility of a better family life and so on. It goes through a litany of the ways the tracker issue affected an individual customer of KBC. This customer is still attempting to get redress and closure on all the issues and trying to encourage the bank to reflect in a more generous way on the compensation that should be paid because of the changes that resulted in her life. For instance, her credit rating was affected which has a lot of consequences. The customer wrote to Ms Deering on these matters. I would like to take it up with Ms Deering in the context of the response after the meeting.

I return to the homes and the 921 cases. David Hall has been promoting an initiative that would keep people in their homes. The loan and property transfer to his organisation and he restructures it. How committed is the bank to this new project? How do the officials see it working and do they see any possibility for its expansion to capture more people and prevent their homes being taken from them?