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Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: I wish to return to a comment that was made on the insurance industry, the costs of insurance and how prices have fallen. I have been reading commentary to that effect in the media and I have to say that I would not make a blanket statement like that. I still hear complaints from individuals and, indeed, some companies to the effect that there has been no change in insurance costs. They...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: The committee will meet the banks again to discuss this issue. At a previous meeting, it was agreed that we would continue with the tracker mortgage investigation. We agreed that we would then hold a separate examination of how businesses were treated by the banks. The evidence that we have gathered has all the makings of a further scandal. What questions would the witnesses ask the...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: What legislation is the witness referring to?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: On 1 January. Therefore, they name the institution.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: Okay. I have one last question in relation to a complaint. It is to do with payment protection. The person who has written here is one of many. The person writes that in the case of redundancy or illness, one's mortgage will be covered or paid, and that this, however, was not the case for many. Even though the bank knew the correspondent was self-employed and did not qualify to claim...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: That is essential. Keep the House in order. Go ahead. It is Senator Paddy Burke's last chance to have an election before Christmas. Normally, in such a case, one might have taken out the policy seven years ago or whenever, but it takes up to the time when one triggers the need for the policy.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: Constituents have written in on that type of issue. Is it best that they would explain their circumstances and write directly to the Financial Services Ombudsman so that Mr. Deering could adjudicate on it?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: Is there anything further either one of you would like to add?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: Would Mr. Deering have had a number of judicial reviews or threats?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: Are these threats of proceedings?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: I am asking about the threat in order to frustrate the ombudsman.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: Has Ms Goggin received any threats of legal action against her agency?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: On banks, would there have been much legal representation made to the Competition and Consumer Protection Commission?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters relating to Tracker Mortgage Examination and Consumer Protection Framework: Discussion (7 Dec 2017)

John McGuinness: Before we conclude, I thank the witnesses for attending the meeting this morning and for their input. I would encourage them to go to the limits of the law to expose what happened in the banks. That is what people expect. All they want is fair play. They believe that they are not getting fair play, that the balance is tilted against them. We will be here again in the new year....

Written Answers — Department of Public Expenditure and Reform: Public Sector Staff Recruitment (7 Dec 2017)

John McGuinness: 68. To ask the Minister for Public Expenditure and Reform further to Parliamentary Question No. 121 of 29 November 2017, the process by which external members of TLAC are appointed; the qualifications and skill sets sought relative to external members; the level of professional human resources qualifications of each member; the rationale behind the decision to have two ex officio members; the...

Written Answers — Department of Health: Home Help Service Provision (7 Dec 2017)

John McGuinness: 151. To ask the Minister for Health if all of the appropriate home support services will be put in place for a person (details supplied); and if he will make a statement on the matter. [52416/17]

Written Answers — Department of Health: Health Services Staff (7 Dec 2017)

John McGuinness: 152. To ask the Minister for Health if a person (details supplied) will be considered for ill health retirement based on the person's medical reports. [52417/17]

Written Answers — Department of Transport, Tourism and Sport: Road Projects (7 Dec 2017)

John McGuinness: 196. To ask the Minister for Transport, Tourism and Sport his plans for a survey of the motorway close to Shankill, Paulstown, County Kilkenny, in order to determine the works required to reduce the level of noise from passing motorway traffic at this location. [52476/17]

Written Answers — Department of An Taoiseach: Freedom of Information Data (5 Dec 2017)

John McGuinness: 122. To ask the Taoiseach the number of freedom of information requests received by his Department to date in 2017; the number that were fully or partially granted; and the number that were refused. [51859/17]

Written Answers — Department of An Taoiseach: Freedom of Information Data (5 Dec 2017)

John McGuinness: 123. To ask the Taoiseach the number of freedom of information requests received by his Department to date in 2017; the number of which the period of consideration was completed within four weeks of the receipt of the request; and the number of which the period of consideration was extended by up to four weeks in view of the fact that the necessary resources to complete the request within the...