In response to your headline ‘Banks to get rough on homeowners over debt’ (Irish Examiner, March 14), can I remind you that, in his column of September 14, 2013, Brian Lucey wrote: “It might be simpler for the incoming regulator to state that 35% (of after-tax income), with wriggle room of 5% either way, would represent an acceptable level of repayment for a principal private residence.