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Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: Permanent TSB (6 Feb 2018)

John McGuinness: Shocking. This bank has not changed one single bit. If it got the chance tomorrow it would do exactly the same thing. I do not believe for one minute that it was a systems failure. One bank's representatives came before the committee and told us that the tracker mortgages may have stopped because their bank was losing money on them. In answer to Deputy Doherty, Mr. Masding continued to...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: Permanent TSB (6 Feb 2018)

John McGuinness: That is it? What did Mr. Masding think?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: Permanent TSB (6 Feb 2018)

John McGuinness: What did Mr. Masding think of the knowledge Mr. Kissane has of the tracker issue?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: Permanent TSB (6 Feb 2018)

John McGuinness: So did Mr. Kissane give Mr. Masding a different understanding?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: Permanent TSB (6 Feb 2018)

John McGuinness: The witnesses should be ashamed of themselves, given the manner in which they are conducting themselves now, and the way they conduct themselves with customers. If I was interviewing Mr. Masding for a bank licence, I certainly would not give it to him.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: Permanent TSB (6 Feb 2018)

John McGuinness: Are there any other questions?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: Permanent TSB (6 Feb 2018)

John McGuinness: That concludes our meeting. I thank Mr. Masding and his colleagues for attending.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: KBC Bank (6 Feb 2018)

John McGuinness: I welcome Mr. Verbraeken and his colleagues to this meeting. I wish to advise the witnesses that by virtue of section 17(2)(l) of the Defamation Act 2009, they are protected by absolute privilege in respect of their evidence to this 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: Tracker Mortgages: KBC Bank (6 Feb 2018)

John McGuinness: On the flyer-leaflet distributed, am I correct in saying that if there are cases in which there are issues to do with the margins, KBC Bank will look at them?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: KBC Bank (6 Feb 2018)

John McGuinness: In the light of the emails we receive, I want to be absolutely clear on the response. Mr. Verbraeken is saying any customer who believes there is an issue specific to his or her case that changes the view of the dates can bring forward that information and that it will be considered by the bank.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: KBC Bank (6 Feb 2018)

John McGuinness: On buy-to-let properties, in cases in which properties were placed in the hands of a rent receiver, not sold for one reason or another and fell into disrepair, is the history of the customer's journey taken into account? In other words, does the bank consider all aspects of his or her journey, including his or her experience with the bank and what happened to him or her, and then determine...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: KBC Bank (6 Feb 2018)

John McGuinness: If such customers come forward, are they assigned a particular individual in the bank with whom they can engage?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: KBC Bank (6 Feb 2018)

John McGuinness: On the timelines mentioned in the opening statement, I agree with members that the process is extremely slow and frustrating for customers. How confident is Mr. Verbraeken that the bank will meet each of the timelines set down?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: KBC Bank (6 Feb 2018)

John McGuinness: Deputy Michael McGrath gave an example of how a customer might be impacted on. I have received an email from a customer who was impacted on to the tune of €500 per month in the nine-year timeframe, which means that he was overcharged by a considerable amount. This customer has still not resolved the issues involved with the bank. He has been trying desperately to have the matter...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: KBC Bank (6 Feb 2018)

John McGuinness: Is the rate to which they are being returned the original rate?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: KBC Bank (6 Feb 2018)

John McGuinness: What lessons has the bank learned?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: KBC Bank (6 Feb 2018)

John McGuinness: In his opening statement and responses to questions from members Mr. Verbraeken stressed the importance of the customer, the customer journey and experience and how important it was to recognise the rights of the customer. I ask the bank to apply that line of thought to the customers who were affected by the issue relating to IIB Homeloans. There is a need to exercise some flexibility and...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Tracker Mortgages: KBC Bank (6 Feb 2018)

John McGuinness: I thank the witnesses for attending.

Written Answers — Department of Employment Affairs and Social Protection: Invalidity Pension Appeals (6 Feb 2018)

John McGuinness: 576. To ask the Minister for Employment Affairs and Social Protection the reason an oral hearing has not been arranged in the case of a person (details supplied) in view of the fact that the Department wrote to the person on 21 September 2017 stating that one would be arranged; and if the person's file will be reviewed to determine if an invalidity pension can be granted without the oral...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: European Union Matters: Commissioner Valdis Dombrovskis (1 Feb 2018)

John McGuinness: I welcome Commissioner Dombrovskis, Vice-President for the euro and social dialogue. He is also responsible for financial stability, financial services and the capital markets union. I welcome his colleagues from the European Commission. I wish to advise the witnesses that by virtue of section 17(2)(l) of the Defamation Act 2009, they are protected by absolute privilege in respect of their...