Mick Wallace (Wexford, Independent) | Oireachtas source

I have listened to much debate on the different aspects of mortgage problems this morning. As it stands, matters relating to mortgage arrears and negotiations are governed by the Central Bank's code of conduct on mortgage arrears. These are weighed overwhelmingly in favour of the lender and removing local branches from the decision-making process further weighs against the borrower and makes it a bit more difficult. It does not do much for the borrower getting a fair deal.

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