Bernard Durkan (Kildare North, Fine Gael)
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There is a problem there now. The lender has or seems to have the right to reject what the borrower puts forward. From experience, and my colleagues here around the House have had similar difficulties, if the lender says that is not sustainable, that it cannot do that and that it is not the bank's policy to do that, all of which we have heard previously, that is where the officials in the Central Bank can be a positive influence and encourage them to open up their minds a little to the fact that some people find themselves in a particularly difficult situation. It will not be forever, we hope, but now is the time to do it.