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Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Can the Financial Services Ombudsman make them do that and to explain what is involved in layman's language so that the customer does not become lost in the course of the explanation?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: If the Financial Services Ombudsman makes a finding against the insurance company, is it obliged to take that finding and apply it, not only to the client but to everyone?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: I understand that.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: I have one other question regarding the banks. The banks administer European funding to small businesses at a special rate. When an application for that type of funding is refused, it is referred back to another State agency for its view on the reasons it was refused. Where that State agency indicates that the small business should get that loan but the bank continues to refuse, is that an...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: On the tracker mortgages issue, is Mr. Deering satisfied that the banks are taking it seriously enough and allocating the staff to deal with the issue to bring about early conclusions for their clients who have been badly treated, both in terms of their final conclusion that they were wrong and that an amount of compensation is required? Is Mr. Deering happy that they are giving the required...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: I want to return to a point and ask a different question on it. Where a loan is sold on to a vulture fund, it is done with all of the obligations to treat the customer the same way and so on. Has the ombudsman any role in cases in which a loan was taken out with a sub-prime lender?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Complaints from those who end up dealing with vulture funds, in terms of the way they are treated and the telephone calls they receive, all come under Mr. Deering's remit.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: That is important because when we asked representatives of some of these funds to come before the committee, they refused. Obviously, they do not like anyone looking over their shoulder so it is important that people would know that Mr. Deering's office can take up at least some of those aspects.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Does Senator Horkan wish to contribute?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: In closing, can I ask about all that is mentioned in legislation to empower the ombudsman's office to pursue matters? Is Mr. Deering happy that he has everything he needs to deal with these complaints?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Is there anything we can do as legislators to improve the strength and efficiency of Mr. Deering's office, bar throwing money at it?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: Finally, I note letters received by individual public representatives, including Members of this House, regarding queries from constituents or people making a complaint about a bank will not suffice. Mr. Deering's office needs the client to come forward.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: I have received letters on many occasions and I am sure I am not alone in this regard. In the case to which I refer, the person writing the letter is crying out for help and is pointing to the fact that a particular bank made her life hell and it continues to be hell. She has not made it public because she is embarrassed and does not want her family to know about it. Obviously, one is...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Financial Services Ombudsman's Bureau - Strategic Plan 2017 and Tracker Mortgage Issues: Discussion (2 Mar 2017)

John McGuinness: I understand. It is just that one does not like to see any case slip through the crack, particularly someone of that age who is feeling as vulnerable as she does. I thank Mr. Deering and Ms Cassidy for their attendance. The meeting is adjourned until Tuesday, 7 March 2017.

Written Answers — Department of Education and Skills: Apprenticeship Programmes (2 Mar 2017)

John McGuinness: 77. To ask the Minister for Education and Skills the number of colleges providing courses for apprentice mechanics; if all colleges charge the apprentices for courses provided or if there are different rates applied depending on the college; if his Department pays the colleges for any aspect of such courses; the way in which the delivery of such courses is monitored relative to standards...

Written Answers — Department of Health: Services for People with Disabilities (2 Mar 2017)

John McGuinness: 213. To ask the Minister for Health if consideration will be given to putting in place a personalised budget plan to cover the cost of care of a person (details supplied); the actions that were taken by the HSE arising from the Ombudsman report of 2012; if the plan being developed by the HSE will include adequate supports for the person's parents and an overall seamless delivery of every...

Written Answers — Department of Health: Health Services Provision (2 Mar 2017)

John McGuinness: 214. To ask the Minister for Health if home support and care will be provided to a person (details supplied). [10955/17]

Written Answers — Department of Health: Medical Aids and Appliances Provision (2 Mar 2017)

John McGuinness: 215. To ask the Minister for Health if a stroller will be provided for a person (details supplied). [10957/17]

Written Answers — Department of Health: HSE Staff (2 Mar 2017)

John McGuinness: 216. To ask the Minister for Health if he will request a report from Portlaoise hospital relative to the case of a person (details supplied); and if an external independent review will be carried out of the issues concerning the person's treatment. [10958/17]

Written Answers — Department of Agriculture, Food and the Marine: Rural Environment Protection Scheme Appeals (2 Mar 2017)

John McGuinness: 283. To ask the Minister for Agriculture, Food and the Marine the outcome of an appeal lodged on 23 August 2011 by a person (details supplied); if their request of 2 August 2016 to have their appeal re-examined will be granted; and if he will make a statement on the matter. [10952/17]

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