Eviction – Justice
by Michelle Clarke (Comyn)
Domh Beal 26, 2013 15:51
We need more postings like this one from Joe. Apathy perplexes our population and the haze needs clarity if people are to understand their basic legal rights in relation to their family home, in the wake of more changes in the law going forward.
The law of the land today so easily states remedies supposedly for the common good. If you fail to pay your property tax on a self assessment value basis, a fine of £5,000 applies or prison. If you fail to comply with law brought in February relating to mainly pre-1963 bedsit type houses, the landlord will be fined, or sent to prison. Clarity in the law exists as the data mining exercise is enriched by the registration of all people connected in anyway to owning a property in Ireland. This is modern day cartography and for those who aim to remain outside the net, it looks as if you are on the losing side because the Revenue is the enforcer and we all know the power that exists there.
Meantime instead of selling off apartments as independent units, we have a new marketing mantra – Multi-Family investment opportunities. International buyers are attracted to these developments, so much discounted from Celtic Tiger prices, that they are being bought up swiftly. However, what about the cross over? First do these new owners pay a once off property tax charge (significantly discounted) in respect of the people who will take leases out and occupy these buildings?
More importantly, what about the people who live throughout the city of Dublin and Ireland in the antiquated houses which since February this year are no longer compliant with the law and will need to be vacated for the landlords/owners to carry out the necessary renovations to comply with the law. Many of these people have lived in these homes for decades, are often in receipt of rent allowance and are now shivering in their shoes as the landlords tell them – Goodbye – you own nothing and we don’t have to make any provisions for you. Who cares for these people? Where will they be on the housing list? These are a needy group of people very close indeed to the bottom rung of the ladder. Will the Government speak up for them and ask these new landlords of apartment complexes give them first call? I hope so – there are stories of heartbreak all over Dublin in particular where people do not know if they will have a home by next week. We hear nothing about compensation being made to these people or services provided to ensure their transition to their new apartments!
Then as detailed above we have over 100,000 people in mortgage arrears with properties discounted by near 70% in some cases. In Spain, Greece, Portugal, there is a change in family structure as the banks exercise their rights and evict people and those who do not commit suicide or become homeless, return to the homes of their parents with all the distress that goes with making such a move.
Quite rightly, the originator of this topic states that the ‘Land League founder Michael Davitt wrote about how in the 19th century “eviction was the law of the land”. Today the parasitic landlord class has been replaced by the equally parasitic banking class, whose members act according to actual law rather than “moral law” . They consider properties occupied by defaulting mortgage holders to belong to lenders by right of law . From a legal standpoint they are correct. Under such circumstances successful resistance to evictions must inevitably mean defiance of the law.
Ireland is on the brink of being totally morally bankrupt in relation to people and their property entitlements – all because in a snapshot of time when the elites await a little ‘controlled inflation’ to devalue property or that ‘write-down in the value of debt’ we surely deserve by now so that they can once more swoop in and create their wealth portfolios. Markets are markets but morality is a choice and the time for introspection and correction is now.
Eviction has always occurred but now the loophole is closed, many more people, particularly those 2 years and over 90 days in arrears, are daily awaiting phone calls, the post, or even the judgment and its fear at its worst that will cripple this economy.
A warning ….. many people face the Spanish Inquisition of the Personal Insolvency Pratictioner (‘PIP’) with the guidelines as documented by the Department of Justice team. Again the law states £10,000 fine or prison but be warned about what happens if you opt to become a bankrupt in the UK and your breach the law: Shane Hickey reports from London….’UK punishes Irish bankruptcy cheats’. Check up the cases of Patrick Gerard Byrne and Martin Doran ‘who have been told they must spend nine and seven years in bankruptcy – instead of the usual 12 months – after they were found to have been trying to “put the money beyond the reach of the creditors”. 1 year financial purgatory is swapped for their choice of being just too smart and trying to outwit the law and more important the moral compass that should guide people in this world. For those particularly stressed by what lies ahead now with eviction, thread softly when you make a statement of your needs and assets. The same goes when you are getting divorced!
Why Mega Landlords? Because it is now February 2017:
Listening to RT the other night – it was Max Keiser talking about Atlanta; the evictions and Blackstone who is now one of the biggest landlords globally and Ireland. Ireland needs to be aware of what is happening with these global Mega Landlords and how it impacts on our housing market and the citizens of Ireland.
Reply to Ordinary Citizen
by Michelle Clarke (Comyn)
Aoine Lún 16, 2013 16:00
By Michelle Clarke (written 2013 – Comyn)