Enda Kenny (Mayo, Fine Gael) | Oireachtas source

The personal insolvency service has not been dealing with as many cases as we would like to see but contrary to Deputy Martin's view, I think it is very important that when people are in mortgage distress they know the range of options and assistance available to them. It is also fair to look to the situation that has arisen in the context of people who are looking for credit whereby the Credit Review Office gives an independent view and has given directions to banks to overturn decisions. The Minister for Justice and Equality of the day brought in an amendment so that when cases went to court, an independent review of the options put forward by the practitioner would be possible before a court case situation arises.

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