Just a question that has come up a few times in conversations I have had with friends and clients. Bank staff don't seem to be able to answer the most basic of questions on what are the current lending policies of their own bank? They may pass comment on what the story is with other banks, but really vague on what they are really, really do mean. You can see it from some of the posts - i.e. credit cards at great rates but not a chance of getting it, back to the old saying "only available to persons over 75 with both parents present" it would be nice [am I being so naive] that the financial regulator gave us an up-to-date and true reflection of real life of banking in Ireland and not the PR blurb the banks narrate for them!