Pearse Doherty (Donegal, Sinn Fein)
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That is something the committee could possibly take up with both the institution at the heart of this but also with the Central Bank on the broader issue in terms of how banks are able to define a customer as a consumer or a non-consumer and the rationale of the criteria set out for that. I would be happy to follow up on that, as I am sure would the committee.

I thank Mr. Kavanagh for his opening statement and for coming before the committee today. This is not the first time he was before the committee. Three years ago this month, he was before the committee and it is unfortunate that he has had to come back and tell a very similar story to what he told at that time. During the committee hearing three years ago he was asked by a member of the committee whether it was legally permissible for the EBS to have taken the approach it did under the contract to which he replied that it has not been proven otherwise and has not been tested before the courts. Could he take this opportunity to update the committee on any developments since, whether he has considered bringing a case before the courts or whether there have been similar actions before the courts?