Results 2,181-2,200 of 6,627 for speaker:Rose Conway-Walsh

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: Is it not Mr. Crowley's expectation that people will fall into arrears and the banks will therefore have bad debts because of the impact of the higher interest rates?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: That is all taken as a given. I just want to get the 2022 and 2023-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: Is Dr. Hunt not at all concerned that people cannot meet the hundreds of euro extra they have to pay every month for their mortgages? We know that on a yearly basis one person in five has an extra €5,600 to pay on their mortgages. That is not showing any signs whatsoever in the modelling.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: That is very interesting but the witnesses talk about "pass-through", are they talking about the fixed ones as well?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: If there are 60% fixed, would that not distort the pass-through rates that are being given to us?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: I just want to know about the figures that we are being given because sometimes it is very difficult to dissect the figures to see that the picture is accurate, particularly when we see higher interest rates being paid here than in the rest of the EU. I think we need to be frank and we need to have some kind of uniformity.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: Exactly. I want to come to that in one minute regarding vulture funds and trackers. It would be useful for the committee to be provided with the bad debt provision over the mortgage book for the next year and compared to last year. As a committee we need to keep on top of where everything is with the Central Bank. I want to move on to the 78,000 people who have had their mortgages...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: Are the criteria too strict? When we look at them, we see there are not many people who could meet the criteria. I do not have them in front of me but they talk about 12 months without a missed payment. If somebody who was switching from another bank missed a payment through no fault of their own, one of the banks could say that a payment has been missed, so that is it. The criteria for...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: That is the problem. When people look at a website, they see what the criteria are and then they look at their credit history. The criteria state: Customers must be repaying capital and interest on the full outstanding mortgage i.e. there is no split/warehoused element of the mortgage, and the mortgage is fully up to date. The customers’ credit history, i.e. their Central Credit...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: Someone may go to one of the banks to switch a mortgage and they had an unpaid item on a direct debit - for some reason, their direct debit did not go through, perhaps, or perhaps one of the banks' digital system fell down and their direct debit did not happen. Mistakes have been made in that regard, in which people's payments could not be made. If it was one of those things, would that not...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: How many came back to Mr. Crowley's organisation?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: Has Mr. Hayes tried ringing a bank for anything? I suggest everybody here try ringing. I had a recent experience of ringing the bank in regard to credit card fraud and it was press this, press that, press the other. There is a digital divide. Mr. Hayes should dial the banks and see what he gets - everything but a human being. Everything is done to avoid speaking to another human being.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: I have a very short question on the defective block situation. Where houses have been remediated, involving an outer leaf or a partial rebuild rather than a complete one, are there any conditions attached to somebody applying for a mortgage provided they have met all the remediation conditions?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: Just to be clear, must the houses adhere to the current regulations, not those from 2008?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Banking Issues: Discussion (27 Sep 2023)

Rose Conway-Walsh: That is an important point in the scheme. If the property meets the standards, the banks consider it to be the very same as any other.

Written Answers — Department of Public Expenditure and Reform: Departmental Reports (26 Sep 2023)

Rose Conway-Walsh: 203. To ask the Minister for Public Expenditure and Reform the average cost of producing an IGEES report; and if he will make a statement on the matter. [41283/23]

Written Answers — Department of Public Expenditure and Reform: Departmental Contracts (26 Sep 2023)

Rose Conway-Walsh: 204. To ask the Minister for Public Expenditure and Reform the average cost of a private consultant report for his Department; and if he will make a statement on the matter. [41284/23]

Written Answers — Department of Public Expenditure and Reform: Waste Management (26 Sep 2023)

Rose Conway-Walsh: 205. To ask the Minister for Public Expenditure and Reform the number of TFS office spot-checks and infringements; and if he will make a statement on the matter. [41285/23]

Written Answers — Department of Public Expenditure and Reform: Public Sector Pay (26 Sep 2023)

Rose Conway-Walsh: 206. To ask the Minister for Public Expenditure and Reform the cost of backdating the planned pay increase associated with the grade review of the Secretaries General of the Departments of Housing, Local Government and Heritage and Children, Equality, Disability, Integration and Youth; and if he will make a statement on the matter. [41286/23]