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Written Answers — Department of Health: HSE Staff (2 Mar 2017)

John McGuinness: 216. To ask the Minister for Health if he will request a report from Portlaoise hospital relative to the case of a person (details supplied); and if an external independent review will be carried out of the issues concerning the person's treatment. [10958/17]

Written Answers — Department of Agriculture, Food and the Marine: Rural Environment Protection Scheme Appeals (2 Mar 2017)

John McGuinness: 283. To ask the Minister for Agriculture, Food and the Marine the outcome of an appeal lodged on 23 August 2011 by a person (details supplied); if their request of 2 August 2016 to have their appeal re-examined will be granted; and if he will make a statement on the matter. [10952/17]

Written Answers — Department of Agriculture, Food and the Marine: Farmers Charter (2 Mar 2017)

John McGuinness: 284. To ask the Minister for Agriculture, Food and the Marine the support services available to persons that cannot read or write; if information on schemes and courses organised nationally or with the support of the EU are promoted in a way that ensures universal access; if his Department has provided training to members of the agricultural consultants association to enable them to assist...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Mr. Deering and Ms Cassidy are very welcome. I wish to clarify matters relating to individual cases. However, I will speak in general terms and I will not mention any details. In dealing with Ulster Bank, How would our guests characterise the dealings of the Financial Services Ombudsman with Ulster Bank? Is one bank more awkward than another?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Were any tracker cases settled earlier? For example, were there cases where the client was active and engaging with the bank and demanding a settlement? Has the Financial Services Ombudsman discovered how settlements were calculated in the early part of this saga? Is there some calculation used by the Financial Services Ombudsman? Is there some calculation used by the bank?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: There are cases where the argument has been settled and borrowers were offered some sort of solution. However, that solution fell short and the borrower subsequently made a complaint to the Financial Services Ombudsman. Can the ombudsman take on that complaint, even though it is historical, if satisfaction was not gained by the client? Can the Financial Services Ombudsman reopen such a...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Yes. The question I am asking is relevant for such individuals. These cases have stretched over a long period. Borrowers did not get answers or had to wait six months for an answer. Then, then had to try to engage with the ombudsman before going back to the bank. Issues remain to be resolved in some of the cases I have seen. If individuals go back to the Financial Services Ombudsman in...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: A second matter happens to involve Ulster Bank again. I do not intend to go into the detail of it. Let us suppose Ulster Bank has sold on a debt to a vulture fund and the debt includes a family home, the associated mortgage of which was not in arrears and did not have issues. Let us assume the client had no input in terms of the transaction between Ulster Bank and Cerberus. What rights go...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Yes.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Therefore, there is much work that the Financial Services Ombudsman can do on behalf of a client who brings such a complaint to the bureau. Is that the case?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Has the Financial Services Ombudsman received any complaints linked to Global Restructuring Group Ireland?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Has the ombudsman received any? Does the bureau deal with complaints relating to that group?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: The reason I say that is because representatives from Ulster Bank appeared before the committee and we discussed Global Restructuring Group Ireland. It is not an individual case, there are quite a few involved. It has been claimed that good debt, with bad, was thrown into a vulture fund without anybody being told about it, in the absence of prior discussions and with very little lead-in...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: -----and people can feel confident that this is confidential between the Financial Services Ombudsman, the bank and the party concerned?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: They are entitled.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Should that €3 million threshold be changed?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: I seek clarity on insurance. The Financial Services Ombudsman takes in the various complaints received in respect of insurance companies. How does that role differ from the Central Bank's consumer protection role?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Can Mr. Deering tell me about insurance, particularly flood insurance? Where a client receives a quote and is given a premium, he or she cannot accept because the premium has to be paid upfront in circumstances where the insurance company does not arrange payment over a period of nine or 12 months. What does the Financial Services Ombudsman do about that?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: It is the payment method as well. People cannot afford to pay. Some of the premiums are colossal. There have been steep increases year on year.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Is there nothing that the Financial Services Ombudsman can do to force an insurance company to accept payment for a premium on the basis of direct debit over a period of nine or 12 months?

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