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Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: Time is running out on this slot. Can I just-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: Mr. Hall, I chair the meeting. Ms Dunne wants to make a contribution.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: This session was due to finish at 3.45 p.m. There will now be a break while I switch over to the next group of people who wish to make their contribution. The Deputy will get an opportunity to come in at that point, but unfortunately I cannot give it to him before this break.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: Will Deputy Mathews please respect the Chair?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: You do not actually. This session is finished, so you will get your contribution when you come in after 4 p.m. Please do not try to force your way in when you have been asked not to do so.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: On behalf of the joint committee, I would like to thank the three organisations-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: I know. I would like to thank the three organisations, the witnesses and their support staff, for participating in this meeting and for the material they supplied to the committee. I wish them well in their ongoing work. It has been an incredibly informative meeting and many of the points raised will be passed on to the relevant Minsters and their Departments, as they were extremely useful...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: The joint committee will resume its discussions with organisations providing assistance for people who are struggling to manage their mortgages about their experiences and what they believe could be done to improve the position. On behalf of the committee, I welcome the representatives of the second group of organisations. AskAboutMoney is represented by Mr. Brendan Burgess; Phoenix Project...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: I must ask Ms Sadlier to conclude.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: I am afraid the Deputy's slot has been used up.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: My apologies. I am jumping the gun.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: I must move on, as we have exceeded the time limit.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: There will not be much time for elaboration. The Deputy will be lucky to get an answer to the questions.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: I will allow Mr. Burgess to start.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: As Deputy O'Donnell's slot has concluded, I call Deputy Higgins.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: We do not have time for interruptions.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: I will ask the witnesses to supply their answer to Deputy Higgins in writing because his time has expired.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: The Deputy put that question to the last group but, unfortunately, some people are inclined to leave impertinent questions to the end, which does not help good time keeping. I ask the witnesses to send their reply to the committee in writing so that it can be forwarded to the Deputy.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)

Liam Twomey: I thank the witnesses for attending. It has been a long afternoon but it has been very informative for the committee. I hope they all listen when the banks respond next week. They might offer their critique of what they say because many of the questions we ask them will stem from some of the issues raised here today. The witnesses have given us different points of view and we will...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Bank of Ireland (10 Apr 2014)

Liam Twomey: In the presentations made to the committee last week it was interesting that some of the groups dealing with people in mortgage arrears have a concept that the banks are going after individuals with equity in that if they can get equity out of a solution they will go after those people. We have not heard much on this occasion about small and medium enterprises, SMEs, that have significant...

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