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Seanad: Order of Business (10 Oct 2017)

Rose Conway Walsh: Just to confuse us.

Seanad: Order of Business (10 Oct 2017)

Rose Conway Walsh: It is only a lover's tiff.

Seanad: Budget 2018: Statements (10 Oct 2017)

Rose Conway Walsh: Deputy Paddy Burke started it.

Seanad: Budget 2018: Statements (10 Oct 2017)

Rose Conway Walsh: I need to put Senator Paddy Burke straight. I welcome the Minister of State to the House and I hope he is in better form than his colleague, the Minister of State, Deputy O'Donovan, when he appeared before us a couple of weeks ago. I need to address what Senator Paddy Burke said regarding VAT on hotel beds. We need to be very clear about this because it is important to get accurate...

Seanad: Budget 2018: Statements (10 Oct 2017)

Rose Conway Walsh: In terms of hotels in rural Ireland, I absolutely agree, which is why other measures need to be put in place, such as the recalculation of the rates and a re-examination of the charges put on hotel owners in rural Ireland who do not have the footfall there is in urban areas. Today's budget is a missed opportunity, and this has not happened by accident or through lack of foresight. I want to...

Seanad: Budget 2018: Statements (10 Oct 2017)

Rose Conway Walsh: That time went quickly. I will have to save the rest for later in the week when the other Ministers will be present. Demographic pressure, public service pay and the carry-over mean that the service needs an additional €691 million per annum. In this budget, the Government has set aside only €685 million, leaving a shortfall of €6 million. This fact has been put out...

Seanad: Budget 2018: Statements (10 Oct 2017)

Rose Conway Walsh: People are dying because they do not have the treatment.

Seanad: Budget 2018: Statements (10 Oct 2017)

Rose Conway Walsh: They are dying-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Ulster Bank (5 Oct 2017)

Rose Conway Walsh: On the final matter to which Deputy Pearse Doherty referred, the language in that new contract does not form the basis of a trusted relationship and one that a bank should have with its customers. I have many concerns about that. It hardly forms the basis of a contract at all being so open and providing so much protection. It is certainly not an equal relationship in terms of getting the...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Ulster Bank (5 Oct 2017)

Rose Conway Walsh: The language used shows the relationship between the banks and consumers and that between the banks and the State. Although the tracker mortgage issue has been covered comprehensively by my colleagues, I have one question. Has the bank identified who is responsible within the bank for moving people off these trackers?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Ulster Bank (5 Oct 2017)

Rose Conway Walsh: I understand what happened but I am trying to get to the bottom of the broader question of accountability. Was there a section in the bank which made these decisions and which said that this was the right thing to do, or which brought the matter to the board? If so, in that process were there any dissenting voices that said this is wrong let us have another look at it?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Ulster Bank (5 Oct 2017)

Rose Conway Walsh: I understand what Mr. Mallon is saying but we need to get to the crux of the matter. When they came before us, the representatives from the Central Bank indicated that there were concerns around the illegality of this and that it was going to investigate. Has the Central Bank contacted Ulster Bank about that? It was going to make referrals to the Garda at that time. Has the Garda...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Ulster Bank (5 Oct 2017)

Rose Conway Walsh: Was there any dissenting voice? Are there any records within the bank of any individual or group of individuals saying this is the wrong thing to do?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Ulster Bank (5 Oct 2017)

Rose Conway Walsh: As chief executive officer, CEO, Mr. Mallon would know. When he says to the best of his knowledge he would know because one of the first things that would happen in any investigation is what is at the root of this and who was responsible. Surely Mr. Mallon could, perhaps, either not promote people who made these decisions or even demote those who were dissenting voices. That would need to...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Ulster Bank (5 Oct 2017)

Rose Conway Walsh: I appreciate that but the answers to some of these questions are wholly unsatisfactory. Customers are at the centre of this. I know a customer who has been waiting nine months. When we heard from the bank last year, I reassured him that he would know by Christmas where he stood and what was happening. He still does not know today what is happening. What can the bank say to that customer...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Ulster Bank (5 Oct 2017)

Rose Conway Walsh: It is really getting tiresome at this stage for these people to be hanging on and not knowing what is happening.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Ulster Bank (5 Oct 2017)

Rose Conway Walsh: There were great expectations about the witnesses perhaps presenting more definite answers this morning on what is going to happen. Telling them that it will be well into 2018 before they will have any information is not the way to treat customers. I have a couple of questions about the vulture funds. I was in the repossession courts in Castlebar in recent weeks where there were...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Ulster Bank (5 Oct 2017)

Rose Conway Walsh: I want to try to quantify this. Ulster Bank had the 900 people, and at the time that was published. Are there other family homes which Ulster Bank has sold since then? What is the total number?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Ulster Bank (5 Oct 2017)

Rose Conway Walsh: Will Mr. Blair explain the term "not in any portfolio sale"?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Ulster Bank (5 Oct 2017)

Rose Conway Walsh: Perhaps it is in the paperwork here, but does Mr. Blair have a breakdown of those figures and what was voluntary and what was-----

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