Michael McGrath (Cork South Central, Fianna Fail)
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If I interpret Ms Rowland correctly what she is saying is that at the level of groups of customers, where overall principles have to be decided and adjudicated on by the Central Bank, it has made the calls on those at the level of principle at this stage. Customers are included as being impacted and then have to take it through the system themselves, through appeals, the ombudsman and, potentially, the court. There will be no fundamental shift at Central Bank level at this point.