If Bank of Ireland, AIB and Anglo have been recapitalised by the Minister for Finance, AND the taxpayer/social welfare recipient has had his/her salary or benefits garnished to pay for the recapitalisation of the banks and the interest payable on the EU/IMF drawdown, it would seem to me that anyone who is attempting to pay back money that was borrowed such as car loan, credit card, etc. to a bank that has been recapitalised is effectively enriching the bank twice?? I'm not saying that the borrower doesn't owe the money, but I am questioning who should that money be paid to.