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Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: Have all of the organisations reviewed the credit bureau, given that customers end up, for one reason or another, listed on the credit bureau and they are kind of blacklisted for a period? Is that something that is constantly and proactively reviewed by each of the banks?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: I had a small businessperson from Carlow with me who highlighted the issue. He said that because he was still being mentioned on this credit bureau, he found it very difficult if not impossible to get loans from the banks for his business. There must be some reference to it that, in turn, discourages banks from doing business with someone who is still listed on it. The reason he raised it...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: When we had the Central Bank representatives at the committee last week, we spoke to them about how the banks record or account for their losses. There is an EU regulation that sets out how that is to be done. I presume all of the banks follow the EU regulation. Has any bank been following advice that has been given to them by accountancy firms around that or do they stick rigidly to the...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: So there is no deviation from the EU regulation and the banks all apply it.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: I hope their sign-off is more forensic than the sign-off they gave from 2008 onwards. For Permanent TSB, Padraic Kissane was raising issues and I read some comments in regard to tracker cases and the ECB rate plus 3.25%. Would Permanent TSB clarify its position in that regard?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: I hope you will because, way back in the tracker mortgage issue, he was one of the commentators who informed this committee and he is quite a reputable individual. When he raises an issue, I would like to think the banks take note and have a look at their own structures.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: On Belfry and EBS, AIB was very forthcoming in terms of how the matter had been dealt with. Could we be provided with a written overview, to whatever extent this is possible? My next point is for Mr. O'Grady. I wish to understand the IT glitches. Could we please be sent something in writing about how the issue arose, how it was dealt with and the steps taken to ensure it will not arise...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: So the bank is open-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: The bank does not close them off.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: On the vulture funds, it was mentioned that MABS and some such organisations got contact details for each of the funds – the main funds. That facility should be extended in some way to Oireachtas Members whereby an Oireachtas email address could be given so we could contact the funds. Some people will not go to MABS but it has been a useful tool for all of us as we have dealt with...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: Could I ask Mr. Hayes to clarify a statement? I do not quite know what he meant by it. He mentioned that, in the process, people rebuilding could be scammed in terms of the rebuild.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: Mr. Hayes means individual cases and individual builders.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

John McGuinness: All right. As a final point, the banks are all making profits now. I know the witnesses'' views on them. I have a view too. Some of the levels of profit are just obscene. However, the banks are there to make a profit. The level of profit the banks are making might allow them, in different cases for different circumstances, to press the humanity and compassion button and look at clients...

Written Answers — Department of Defence: Defence Forces (26 Sep 2023)

John McGuinness: 122. To ask the Taoiseach and Minister for Defence if the health services provided to members of the Defence Forces includes covering the cost of getting a second medical opinion if requested by the patient or the doctor, should the need arise; if Defence Forces personnel will be given the option of a free eye test under the PRSI scheme should they have the contributions rather than the...

Written Answers — Department of Public Expenditure and Reform: Flood Risk Management (26 Sep 2023)

John McGuinness: 196. To ask the Minister for Public Expenditure and Reform if an application for funding for a flood relief scheme for Freshford, County Kilkenny has been approved by his Department; and if there is a timeframe for the commencement of the project. [40960/23]

Written Answers — Department of Education and Skills: Schools Building Projects (26 Sep 2023)

John McGuinness: 236. To ask the Minister for Education and Skills if the emergency works required at a school (details supplied) as outlined and costed in the engineer's report, will be approved immediately, as it is a health and safety issue. [41058/23]

Written Answers — Department of Employment Affairs and Social Protection: State Pensions (26 Sep 2023)

John McGuinness: 366. To ask the Minister for Employment Affairs and Social Protection if the State pension (contributory) will be approved immediately for a person (details supplied). [41059/23]

Written Answers — Department of Employment Affairs and Social Protection: Social Welfare Benefits (26 Sep 2023)

John McGuinness: 392. To ask the Minister for Employment Affairs and Social Protection if an application for DCA now under appeal in the name of a person (details supplied) will be expedited and approved. [41643/23]

Written Answers — Department of Employment Affairs and Social Protection: Social Welfare Benefits (26 Sep 2023)

John McGuinness: 393. To ask the Minister for Employment Affairs and Social Protection , further to Parliamentary Question No. 501 of 13 July 2023, if she will explain the ongoing delay in processing an application for DA in the name of a person (details supplied); if the appeal lodged by this Deputy will be expedited and approved; if, in the event of a negative response, she will arrange an oral hearing; and...

Written Answers — Department of Health: General Practitioner Services (26 Sep 2023)

John McGuinness: 508. To ask the Minister for Health if he will confirm the status of an application for funding submitted by (details supplied); If a positive decision will be expedited as there is an immediate and urgent requirement to provide extra space and services based on the growing numbers attending the centre and the range of services required by patients; and if he will make a statement on the...

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