Niall Collins (Limerick, Fianna Fail) | Oireachtas source

Thank you, Chairman. This legislation allows for the establishment of a personal insolvency regime which will, possibly alone along among all State-backed schemes, include no independent appeals function. It is weaker for this omission which means that where a creditor refuses a debtor's request to come to an arrangement, the latter has no resort. Where an application for a medical card, social welfare benefit or planning permission, for example, is refused, an independent appeals mechanism is in place. The excuse being offered for the exclusion of these amendments, that they involve a potential charge on the Exchequer, does not stand up.

See this speech in context