Nikiforos Diamandouros, Justice Michael Hanna, Justice Paul Butler, Judge McDonnell, Carmel Foley, Barbara O'Mara, Silvia Scatizzi, Rafael Cepas,

Nikiforos Diamandouros, European Ombudsman, Justice Michael Hanna, Justice Paul Butler, Judge McDonnell, Director of Consumer Affairs Carmel Foley, Barbara O'Mara, Silvia Scatizzi, Banking Expert at European Commission, Rafael Cepas, Consumer Protection Expert at the European Commission  are "learned scholars" who give judgments without fear or favour, based purely on the merits of the case and evidence.