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Written Answers — Department of Education and Skills: School Services Staff (10 Jul 2018)

Pearse Doherty: 263. To ask the Minister for Education and Skills the progress being made to address the discrepancies which exist in the rates of pay and benefits paid to school secretaries and caretakers; the action he is taking to ensure that these workers have pay equality; the efforts being made to end precarious employment in respect of these professions; and if he will make a statement on the matter....

Written Answers — Department of Health: Hospital Waiting Lists (10 Jul 2018)

Pearse Doherty: 381. To ask the Minister for Health the waiting times in respect of prostatectomy procedures across all the relevant hospitals in the Saolta University Healthcare group; and if he will make a statement on the matter. [30028/18]

Written Answers — Department of Health: Hospital Staff Data (10 Jul 2018)

Pearse Doherty: 382. To ask the Minister for Health the consultant urologist vacancies across all hospitals in the Saolta University Healthcare group; the length of time for which these posts have been vacant; when these posts will be filled in tabular form; and if he will make a statement on the matter. [30029/18]

Written Answers — Department of Health: Medical Products (10 Jul 2018)

Pearse Doherty: 546. To ask the Minister for Health further to Parliamentary Question No. 310 of 8 May 2018, if a detailed breakdown of patient entitlement to post-mastectomy products, including product types and product cost across each of the relevant HSE local area offices will be provided in tabular form; and if he will make a statement on the matter. [30328/18]

Written Answers — Department of Health: Hospital Consultant Recruitment (10 Jul 2018)

Pearse Doherty: 609. To ask the Minister for Health the consultant urologist vacancies across all hospitals in the Saolta University Healthcare group; the length of time for which these posts have been vacant; when it is anticipated that these posts will be filled, in tabular form; and if he will make a statement on the matter. [30613/18]

Written Answers — Department of Employment Affairs and Social Protection: Community Employment Schemes Supervisors (10 Jul 2018)

Pearse Doherty: 906. To ask the Minister for Employment Affairs and Social Protection the reason there has been no progress to introduce an agreed pension scheme for community employment scheme supervisors despite repeated calls for same; and if she will make a statement on the matter. [30917/18]

Written Answers — Department of Culture, Heritage and the Gaeltacht: Ferry Services (10 Jul 2018)

Pearse Doherty: 964. To ask the Minister for Culture, Heritage and the Gaeltacht the details of the agreement specifically reached between her Department and the community on Tory Island concerning the provision of the island's new ferry service relating to the provision of secondary stand-in ferry services; when this service will commence; the duration of the contract in place for the provision of the...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: In my questions I want to focus on switchers. Typically, 90% of loan-to-value is available to switchers. Does that apply to first-time and non-first-time buyers?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: The answer I have before me refers to a figure of 90% of loan-to-value. Can a person who wants to switch get a top-up on the amount of money available in the switching process?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: I will put the question in another way. For a non-first-time buyer, the Central Bank deems it appropriate that the loan-to-value ratio should be 80%. Is that the case? If I went to Bank of Ireland or Allied Irish Banks and obtained a loan of 80% of loan-to-value and then decided to switch, would I be able to avail of a 90% loan in the switching process?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: I am familiar with that. Switching has to take place within the rules and there is no way of circumventing them. Is that the case?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: I thank Mr. O'Beirne for the clarification. We hear about the volume of lending. A total of 12% of the Bank of Ireland lending business in the first quarter of the year involved switcher mortgages. We have heard the same from the other banks. This money is circulating, but it is not real new money into the economy. When we are looking at the figures from banks for new lending, some of it...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: We probably need to consider stripping it out. Obviously, switching is becoming a more dominant feature. It should be and people should be encouraged to do it. That takes me to my next point. In reality, how would the bank representatives speak to a friend in the pub? Let us suppose a friend has a mortgage with Bank of Ireland. The advice a bank representative would give to a friend...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: Is it not the reality that people save currently? If they were to look over the next two years, they would save €2,800 by simply moving to another bank. Moreover, that bank would pay €1,500 towards the cost of legal fees; thus the switching process becomes more advantageous. Why would someone not do so? I do not expect Bank of Ireland to tell its customers that they can take...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: I hear what Mr. O'Beirne is saying. It is important to note, for anyone listening, that the Central Bank encourages people to switch and not do what the Bank of Ireland representatives are suggesting, that is, staying with the bank because of the relationship. We need to break that cycle and get people to switch and force banks not to charge the high interest rates they charge. The rates...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: Okay, we may come back to that in a short while. I now want to deal with the housing market. Deputy McGrath also spoke about it. Ms McDonagh talked about the number of houses that she believes are needed to deal with the demand, which is 40,000 but this varies in the different reports and ranges from 25,000 to 40,000. Perhaps Ms McDonagh can explain the reason that Bank of Ireland is at...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: Nobody is arguing for any bank to adopt a risk appetite that would not be prudent; I definitely am not. What I am trying to find out is what is prudent from the viewpoint of Bank of Ireland. We have reports this morning in the Irish media that the European Commission is saying that the major domestic economic risk to Ireland is the issue of house supply and house price inflation. We have...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: Do the witnesses have statistics of how many applications or queries were refused by the bank?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: I just want the figure for the construction sector.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland (Resumed): Bank of Ireland (5 Jul 2018)

Pearse Doherty: Will Mr. Kelly get them and send them to the committee secretariat?

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