Ms Donna McDade:

None whatsoever. March 2023 was the last straw for me. I asked what the point was of contacting Permanent TSB anymore. I effectively got the same response from it then as when I first contacted it, namely, that I fell under the remit of forbearance even though I was not struggling with my mortgage payments. I have always said that I wanted help from the bank and I outlined a number of scenarios. It never even offered to negotiate. It was always "subject to the normal lending criteria" and a "mortgage break", which would have been a cost to me. The bank was even so "nice" as to work it all out over the remaining term of my mortgage so that it would "only merely" cost me an additional €15 per month. The bank has never come forward with anything. It has never even negotiated. It has always just been "mortgage break" and "lending subject to normal criteria".