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Written Answers — Department of Health: Respite Care Services Provision (19 Jun 2018)

John McGuinness: 369. To ask the Minister for Health if a respite care service will be provided in County Kilkenny in addition to a facility (details supplied). [26588/18]

Written Answers — Department of Health: Hospital Services (19 Jun 2018)

John McGuinness: 370. To ask the Minister for Health the reason for the delay in discharging a person (details supplied); the length of time the person has been in St. Luke’s; if a care package is in place for them at Crosspatrick, County Kilkenny; the reason for the very poor communication between the hospital, the HSE and relatives of the person; and if he will make a statement on the matter. [26589/18]

Written Answers — Department of Health: Hospital Appointments Status (19 Jun 2018)

John McGuinness: 371. To ask the Minister for Health if an early appointment for a cataract operation will be arranged for a person (details supplied) at Waterford Regional Hospital; and the reason they were not called years ago as promised at the time of their assessment. [26591/18]

Written Answers — Department of Health: Medical Card Eligibility (19 Jun 2018)

John McGuinness: 372. To ask the Minister for Health the reason a medical card issued to a person (details supplied) was withdrawn five weeks after being issued; and if the card will be renewed until the error or issues are resolved. [26592/18]

Written Answers — Department of Health: Orthodontic Services Waiting Lists (19 Jun 2018)

John McGuinness: 388. To ask the Minister for Health when a person (details supplied) can expect to be called for orthodontic treatment. [26674/18]

Written Answers — Department of Housing, Planning, and Local Government: Protected Disclosures (19 Jun 2018)

John McGuinness: 589. To ask the Minister for Housing, Planning, and Local Government further to previous parliamentary questions, if he will make available an unredacted copy of the report submitted by Galway City Council relative to the case of a person (details supplied); if the protected disclosure submitted by the person is being examined by an independent person outside of and unconnected to his...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Business of Joint Committee (14 Jun 2018)

John McGuinness: We will begin our meeting in public session. I propose we go into private session.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: I welcome Mr. Masding and officials from Permanent TSB to the meeting. I advise the witnesses that 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 committee. However, if they are directed by the committee to cease giving evidence on a particular matter and they continue to so do, they are entitled...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: I want Mr. Masding to deal with some general queries as to the bank's response to cases. I wish to refer to Permanent TSB customers who have raised questions about their tracker mortgages back in the early 2000s when the issue started. The bank at that time, because it was early days, did not have processes in place. Therefore, when customers asked for correspondence, records of telephone...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: Will the bank engage with a customer who has been through its process and who had gone to the FSPO back as far as 2013? On the basis of the information I have seen, there are no records of telephone calls or records of letters being sent. There are comments such the bank being unable to trace calls based on details given and comments to the effect that, as the letters were automated, copies...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: I am talking about PTSB. I am referring to the new circumstances, how the bank now deals with all the tracker issues and the forensic way it examines them now, which may not have been the case in 2006 or before. Forgetting about the FSPO, if someone still felt he or she had been treated incorrectly by the bank, would the bank re-examine the case in light of what has happened over the past...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: The issue is that they were-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: I thank Mr. Masding. At the AGM claims were made that customers were overcharged on variable rate mortgages, yet the mortgages were possibly going to be sold. There was a question mark over the interest rate. It is stated that substantive evidence now available shows that most banking institutions have overcharged on all mortgage accounts over the years, on variable and fixed rates. PTSB...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: Have the Deputies who met the group been told this?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: The answer to the first question was a "Yes". I will pass the delegation the information in this regard before it leaves today. With regard to the second question, I will give the witnesses the email. Maybe we can get a response to it. Does the bank work actively on insolvency proposals given to it regarding customers who come forward?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: When was the rate of 68%?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: How is it running this year?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: Will the rate be the same or higher this year?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: The evidence is that PTSB has a good success rate with these insolvency cases.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Permanent TSB (14 Jun 2018)

John McGuinness: How does the bank classify a loan that is interest only and fully repayable in 2021, say, and not in arrears? Are those loans considered for sale to funds? Are they considered to be performing loans?

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