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Written Answers — Department of Health: Care Services (27 Feb 2014)

Ciarán Lynch: 243. To ask the Minister for Health when a care package will be provided in respect of a person (details supplied) in County Cork; and if he will make a statement on the matter. [10000/14]

Committee on Finance, Public Expenditure and Reform: Select Sub-Committee on Public Expenditure and Reform: Oireachtas (Ministerial and Parliamentary Offices) (Amendment) Bill 2013: Committee Stage (27 Feb 2014)

Ciarán Lynch: How stands the amendment?

Written Answers — Department of Social Protection: Invalidity Pension Appeals (4 Mar 2014)

Ciarán Lynch: 201. To ask the Minister for Social Protection when a determination will be made on an appeal for invalidity pension in respect of a person (details supplied) in County Cork; and if she will make a statement on the matter. [10898/14]

Written Answers — Department of Health: Hospital Waiting Lists (4 Mar 2014)

Ciarán Lynch: 435. To ask the Minister for Health when a person (details supplied) in County Cork will undergo an implant pain management procedure; and if he will make a statement on the matter. [10624/14]

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: No. 4 is the Financial Services Ombudsman bi-annual review of June 2013. I emphasise to members, witnesses and those in the Public Gallery that all mobile telephones must be switched off to avoid interference with the broadcasting of the meeting. I welcome Mr. William Prasifka. It is his first time before the committee since his appointment. He is joined by Ms Jacqui McCrum, Deputy...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: I thank Mr. Prasifka. How are systemic complaints dealt with by his office? What happens when the ombudsman upholds a systemic complaint against a financial institution? I refer, in particular, to tracker mortgages and the misselling of payment protection insurance, PPI. For example, borrowers who were entitled to tracker mortgages when their fixed rate period ended were not offered the...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: In the instance of five people taking the case, even though 5,000 people may be affected, the Central Bank must make an intervention to deal with the cases of the remaining 4,995.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: How many cases has the ombudsman referred to the Central Bank where the issue affects many more people than the complainant and where it is systemic? How many recommendations have been made in the past four years?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: I refer to the type of cases, not individuals. The issue may affect 4,000 or 5,000 people but it is only one issue. How many issues have been referred to the Central Bank?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: Is the office happy with the response from the Central Bank? Could Mr. Prasifka cite one or two issues that have been referred to the Central Bank and the action that has been taken?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: I refer to systemic complaints.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: So there is no section in the ombudsman's biannual report about the systemic concerns it refers to the Central Bank.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: Would it be possible to furnish the committee with an overview of the systemic issues arising from the Financial Services Ombudsman's examinations?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: I wish to deal with the mortgage arrears resolution process, whereby borrowers can appeal the decision of the arrears support unit internally within a bank. When they lose the appeal, they then appeal on the grounds that the lender did not follow the MARP, but they cannot appeal the decision of the bank. In the case of the MARP, how many appeals have been made to the Financial Services...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: What is the breakdown between the cases upheld, partially upheld and not upheld?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: Was there a recurrent theme among those that were partly upheld?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: I believe 202 out of 2,983 complaints were upheld, which is 7%. The figure seems to be getting smaller. There could be different reasons. Perhaps our financial institutions behave wonderfully or perhaps, as the Financial Services Ombudsman's report seems to indicate, it wants the financial institutions engaging with the complaining customer at an earlier stage. Therefore, they are not...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: Senator Byrne should commend the Chairman.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: I call Deputy Kieran O'Donnell.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Ciarán Lynch: Deputy O'Donnell-----

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