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Written Answers — Department of Transport, Tourism and Sport: National Lottery Funding Applications (26 Mar 2019)

John McGuinness: 1122. To ask the Minister for Transport, Tourism and Sport if the score allocated to a recent application for national lottery funding will be re-examined in view of the fact the club (details supplied) in question is located in a disadvantaged area and this fact was not acknowledged in the process; and if the matter will be expedited. [13817/19]

Written Answers — Department of Employment Affairs and Social Protection: Social Welfare Benefits Applications (26 Mar 2019)

John McGuinness: 1281. To ask the Minister for Employment Affairs and Social Protection if carer's allowance and domiciliary care allowance will be backdated to cover the period of time the benefits would have been due to a person (details supplied) prior to the application being made. [13498/19]

Written Answers — Department of Employment Affairs and Social Protection: Social Welfare Benefits Payments (26 Mar 2019)

John McGuinness: 1282. To ask the Minister for Employment Affairs and Social Protection the reason a person (details supplied) has had illness benefit payments cut from €198 to €155 per week; and the reason the household benefits package has been refused in view of the fact that the only income to the family is social welfare. [13517/19]

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Business of Joint Committee (26 Mar 2019)

John McGuinness: I propose that we go into private session to deal with some committee business.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: I welcome the Governor of the Central Bank, Professor Philip Lane, and his officials. I congratulate Professor Lane on his recent appointment and wish him well in the future. By virtue of section 17(2)(l)of the Defamation Act 2009, witnesses are protected by absolute privilege in respect of their evidence to the joint committee. However, if they are directed by it to cease giving evidence...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: I am sorry to interrupt the Governor but there is a vote in the Dáil. What do members wish to do? We can suspend and go to vote or we can continue.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: We will continue with Deputy Michael McGrath, which I think is the best thing to do in order to get as much as we can out of the meeting.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: The Senator is reading from the transcript.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: Is it our fault?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: Yes

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: Perhaps both parties will check the transcript and the Central Bank will respond further-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: Is that okay, Senator?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: We must move on. Three more members have questions. Do the witnesses wish to continue or shall we take a break?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: In that case I call Deputy Paul Murphy.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: If the witnesses wish to break at any time, they should let me know.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: I have a question for the Governor on the tracker issue. I am struggling to understand the paperwork of all the banks. My understanding is that on the very front page of the loan or arrangement, there was to be the information on that date around the amount of the loan, its duration, the number of repayments in the context of the loan and then, presumably, the interest rate and the...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: No, but apart from the tracker, it is a description of the loan. Is there not a single document which can be read in layman's language that a customer can understand the type of loan they have, its duration, etc.? Is that information not there in the document, without having to forensically go through every single page of it?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: I understand that but I always presumed that there was such a page where the customer would understand the terms of the loan, that is that all the nonsense and the bumf would be cut away and what they were getting on that day would be set out for them. Now the Central Bank is looking at it in the context of what it is doing, which was never envisaged but is happening, one would expect that...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: Sorry, I would like the representatives to deal with the question, not specifically to do with the tracker investigation but to do with the information that the customer sees on the front page of their contract. Is there no simplified version of all that for the customer as part of their contract on that front page?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Central Bank of Ireland: Discussion (26 Mar 2019)

John McGuinness: Did the Central Bank find that page on every single document or contract?

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