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Public Accounts Committee: 2012 Report of the Comptroller and Auditor General
Chapter 7 - Management of Fixed Charge Notice System
(23 Jan 2014)

Kieran O'Donnell: Following on from that, I ask the Commissioner to move on to October 2012 because I want to get a chronological understanding of why we are here today.

Public Accounts Committee: 2012 Report of the Comptroller and Auditor General
Chapter 7 - Management of Fixed Charge Notice System
(23 Jan 2014)

Kieran O'Donnell: In terms of the process, when the complaint went in to the confidential line on 4 April, would the whistle blower have been communicated with once the Garda Síochána had deliberated on the particulars of that?

Public Accounts Committee: 2012 Report of the Comptroller and Auditor General
Chapter 7 - Management of Fixed Charge Notice System
(23 Jan 2014)

Kieran O'Donnell: What the Commissioner is saying is that bar the four complaints that went in ---

Public Accounts Committee: 2012 Report of the Comptroller and Auditor General
Chapter 7 - Management of Fixed Charge Notice System
(23 Jan 2014)

Kieran O'Donnell: Apart from that, no complaints were made within the formal procedures within an Garda Síochána. Is that correct?

Public Accounts Committee: 2012 Report of the Comptroller and Auditor General
Chapter 7 - Management of Fixed Charge Notice System
(23 Jan 2014)

Kieran O'Donnell: If a member of An Garda Síochána had come forward and put the documentation that was given to the Department of Justice and Equality into the system within An Garda Síochána, what would have been the consequences?

Public Accounts Committee: 2012 Report of the Comptroller and Auditor General
Chapter 7 - Management of Fixed Charge Notice System
(23 Jan 2014)

Kieran O'Donnell: As things stand currently, within the procedures of An Garda Síochána, what would have been the consequences? If someone came forward as a member of An Garda Síochána with information from the PULSE system and said that he or she believed it constituted wrongdoing, what would the consequences have been for that individual?

Public Accounts Committee: 2012 Report of the Comptroller and Auditor General
Chapter 7 - Management of Fixed Charge Notice System
(23 Jan 2014)

Kieran O'Donnell: Are they not breaching the Data Protection Act? The Commissioner said earlier-----

Public Accounts Committee: 2012 Report of the Comptroller and Auditor General
Chapter 7 - Management of Fixed Charge Notice System
(23 Jan 2014)

Kieran O'Donnell: I will cut to the chase here. If a member of An Garda Síochána believes there is wrongdoing and comes forward through the channels up to Commissioner level, what are the legal consequences of that? What are the consequences for that member within An Garda Síochána?

Public Accounts Committee: 2012 Report of the Comptroller and Auditor General
Chapter 7 - Management of Fixed Charge Notice System
(23 Jan 2014)

Kieran O'Donnell: In respect of their colleagues?

Public Accounts Committee: 2012 Report of the Comptroller and Auditor General
Chapter 7 - Management of Fixed Charge Notice System
(23 Jan 2014)

Kieran O'Donnell: The Commissioner would see it in a different context if a member takes information from the PULSE system and reports it internally rather than reporting it externally, to third parties. Is that correct?

Public Accounts Committee: 2012 Report of the Comptroller and Auditor General
Chapter 7 - Management of Fixed Charge Notice System
(23 Jan 2014)

Kieran O'Donnell: Yes. I have one final question. On a general note, in the context of people driving without insurance, tax or NCT certificates, in this modern age of computers, what strides is An Garda Síochána making in terms of linking up with various databases so that it can identify people who have not paid their car tax, insured their cars, renewed their driving license or put their vehicle...

Public Accounts Committee: 2012 Report of the Comptroller and Auditor General
Chapter 7 - Management of Fixed Charge Notice System
(23 Jan 2014)

Kieran O'Donnell: I thank the Commissioner.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Report on Licensed Moneylending Industry: Central Bank of Ireland (29 Jan 2014)

Kieran O'Donnell: I thank Mr. Sheridan for his presentation. I will cut to the chase. The figures provided are disturbing. Mr. Sheridan stated: There has been some public discussion in this regard about introducing an industry-wide cap on the rates moneylenders can charge. Lower interest rate ceilings could be ineffective and counterproductive in this regard and may result in excluding low income...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Report on Licensed Moneylending Industry: Central Bank of Ireland (29 Jan 2014)

Kieran O'Donnell: They are similar questions. Are they operating a cartel and is there a relationship between them? What bad debt provisions exist for moneylenders versus ordinary banks? It is disturbing and shocking that any body charges nearly 300% APR. That is being charged when people cannot afford it. Did the bank consider how they come up with cost of funding?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Report on Licensed Moneylending Industry: Central Bank of Ireland (29 Jan 2014)

Kieran O'Donnell: They are using cash.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Report on Licensed Moneylending Industry: Central Bank of Ireland (29 Jan 2014)

Kieran O'Donnell: Does that mean they use cash?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Report on Licensed Moneylending Industry: Central Bank of Ireland (29 Jan 2014)

Kieran O'Donnell: There is no cost of funding in that case.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Report on Licensed Moneylending Industry: Central Bank of Ireland (29 Jan 2014)

Kieran O'Donnell: What alternative costs?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Report on Licensed Moneylending Industry: Central Bank of Ireland (29 Jan 2014)

Kieran O'Donnell: If using them for alternative purposes, what could be got on deposit in a bank now?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Report on Licensed Moneylending Industry: Central Bank of Ireland (29 Jan 2014)

Kieran O'Donnell: What is the typical rate of interest paid by a financial institution for money on deposit?

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