Ian Guider: It’s time to stop the extend and pretend, banks should write off unpayable debt

The small number of ‘won’t pay’ customers will never engage, but it is cruel to pursue the greater number of ‘can’t pay’ borrowers 15 years after the crash

David Duffy, former boss of AIB: ‘It’s not discretionary to stay in your home and not pay your mortgage.’ Picture: Maura Hickey