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

Liam Twomey: Mr. Boucher is consistent in that he continues to push the bank's policy of no write-downs. Why is Mr. Boucher so intransigent on that issue? What is wrong with saying that the bank is writing down loans? There are a considerable number of borrowers who are in arrears and not co-operating because they feel, because of what they read in the media, that the banks will not give them a fair...

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

Liam Twomey: The bank could still maximise its commercial mandate and tell the committee that it is making significant write-downs on bad loans. That does not interfere. It is happening out there. What is the big hang-up in telling the committee how much the bank has written off against home mortgages, SMEs, SMEs involved in property and others?

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

Liam Twomey: The bank is doing it voluntarily, is it not?

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

Liam Twomey: How far does it go? Is it all the way to court?

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

Liam Twomey: Even if it goes to legal - whatever "legal" is because Mr. Boucher has not defined that either - what is the issue in telling us how much was the write-down? Mr. Boucher states it is a commercial matter. I am not asking him for individual cases. I am asking for the overall aspect.

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

Liam Twomey: It would be good. It is merely our perception from what we hear from others.

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

Liam Twomey: There is nothing wrong with Mr. Boucher giving his opinion on where he sees impediments in the process. We would appreciate it.

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

Liam Twomey: Deputy, do not interrupt.

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

Liam Twomey: Deputy Mathews, stop interrupting.

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

Liam Twomey: The Deputy is being far from helpful. Stop it.

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

Liam Twomey: I call Deputy Richard Boyd Barrett, who has ten minutes.

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

Liam Twomey: Is Mr. Boucher saying the mortgage book in the Republic of Ireland and the mortgage book in the UK are somewhat similar?

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

Liam Twomey: I presume also in value and in mortgage terms.

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

Liam Twomey: The repossession rate in the UK is quite high.

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

Liam Twomey: How does that compare if Bank of Ireland has a similar rate of repossession in this country?

White Paper on Universal Health Insurance: Statements (Resumed) (17 Apr 2014)

Liam Twomey: It is definite that the debate and the consultation on this issue will continue over the next few months. I hope we get an opportunity to engage in a clear debate, as opposed to merely making statements, on what is being proposed. Any policy change can be undermined by the fear of the unknown and the perception of what it might mean for the individual. Trust will always be a huge issue in...

White Paper on Universal Health Insurance: Statements (Resumed) (17 Apr 2014)

Liam Twomey: I am told that this information is being collected by someone. Therefore, it should be in the public domain. A patient who would like to go to see a certain doctor should be able to look up his details on a website and find out that the waiting time is six months, for example. If we cannot provide such information to patients, we should not expect patients to trust us to do the right...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process (Resumed): Central Bank of Ireland (30 Apr 2014)

Liam Twomey: This will be the Deputy's last question.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process (Resumed): Central Bank of Ireland (30 Apr 2014)

Liam Twomey: I cannot allow a point of information, even were it to qualify as such.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process (Resumed): Central Bank of Ireland (30 Apr 2014)

Liam Twomey: The Governor might have difficulty answering questions on behalf of the Garda or the DPP.

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