Billy Timmins (Wicklow, Fine Gael)
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To ask the Minister for Finance if the main banks are charging customers/businesses if they visit the person to discuss mortgage repayment difficulties; and if he will make a statement on the matter. [12929/13]

Michael Noonan (Limerick City, Fine Gael)
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The Central Bank has advised me that, on 6 December 2010, it issued letters to all banks directing them to refrain from imposing interest surcharge on arrears or any other charge arising on a mortgage account in arrears to which the revised Code of Conduct on Mortgage Arrears applies and in respect of which a borrower is co-operating reasonably and honestly with the lender in the Mortgage Arrears Resolution Process. The Central Bank also advises that it is not aware of any banks charging such a fee to which the Deputy refers to and it would not expect banks to do so.