Anti Eviction

bmcc10 · 12-09-2012 05:17AM #1

http://www.irishtimes.com/newspaper/ireland/2012/0912/1224323911784.html#.UE_arUPsc0A.

What yous make of these i sense i real bloodbath in the making really look like a hardy bunch.

12-09-2012 05:24AM

This is my home. I am in negative equity. I don’t think it would be worth €80,000 now

I fail to see the relevance of the above statement. I also find it amazing that someone who worked in the construction industry could innocently do what he did when buying that place.

Oranage2 · 12-09-2012 05:25AM

Over €220,000 for an apartment in Dundalk - What an idiot!

BOF666 · 12-09-2012 05:33AM

His argument is basically "I didn't read my contract, and now I'm getting kicked out because I didn't pay my mortgage, it's not fair"

Surely if the sheriff turns up with the Gardaí they’ll do something? If he’s allowed stay there, he might as well be getting a free house…

12-09-2012 05:36AM

BOF666 wrote: »

His argument is basically "I didn't read my contract, and now I'm getting kicked out because I didn't pay my mortgage, it's not fair"

He's only a lowly quantity surveyor, he obviously had no idea about how property transactions work.

hatrickpatrick · 12-09-2012 05:49AM

In before everyone attacks people for "living beyond their means" instead of attacking the banking and political establishment which repeatedly lied to people, mislead them about property values and told them it would all be fine.

Nothing pisses me off more than watching our society descending into mud slinging at eachother while those in authority who sold us down the river get to walk away unnoticed with our money :mad:

Chuck Stone · 12-09-2012 05:51AM

They wouldn't have to ask me to leave.

12-09-2012 05:53AM

hatrickpatrick wrote: »

In before everyone attacks people for "living beyond their means" instead of attacking the banking and political establishment which repeatedly lied to people, mislead them about property values and told them it would all be fine.

Nothing pisses me off more than watching our society descending into mud slinging at eachother while those in authority who sold us down the river get to walk away unnoticed with our money :mad:

You're right, those bastards at Mastercard let me spend hundreds of euros at a time that I don't have on pieces of ribbon, A4 paper in assorted colours, novelty bottle openers and hundreds of other things that I don't need. If at some point I can't pay it back I'm going to barricade myself in my house so they cant get to me.

hatrickpatrick · 12-09-2012 05:54AM

BOF666 wrote: »

His argument is basically "I didn't read my contract, and now I'm getting kicked out because I didn't pay my mortgage, it's not fair"

Surely if the sheriff turns up with the Gardaí they’ll do something? If he’s allowed stay there, he might as well be getting a free house…

The Article, if you bothered to read it wrote:

“It is the common story of getting into difficulties and arrears. But I am only six years into my 30-year mortgage – who is to say my situation won’t change? I want to keep paying but based on what I can afford,” he said after the sheriff had left yesterday.

Mr Dooley said he has an appointment to discuss his mortgage with Permanent TSB later this month and he would suggest that he keep up his repayments but at a lower amount than at the start of the mortgage term.

He's not intending to simply not pay his mortgage, ever.
I love how Boardsies are so beautifully quick to turn on people like this man while clearing the other side of all blame or responsibility. Who was shoving these mortgages down people's throats? Who was misleading people about the value of their properties? Who was telling anyone who disagreed to commit suicide?

Barking up the wrong tree in such an unbelievably sad way by persistently coming down on the side of the bank in cases like these. As if they're perfect angels who never deliberately manipulated or screwed anyone over?

hatrickpatrick · 12-09-2012 05:56AM

Deleted User wrote: »

You're right, those bastards at Mastercard let me spend hundreds of euros at a time that I don't have on pieces of ribbon, A4 paper in assorted colours, novelty bottle openers and hundreds of other things that I don't need. If at some point I can't pay it back I'm going to barricade myself in my house so they cant get to me.

Implying everyone who has found themselves in negative equity as a result of this mess squandered thousands of euro in credit on useless junk?
Seriously?

This is pathetic.

12-09-2012 06:01AM

hatrickpatrick wrote: »

Implying everyone who has found themselves in negative equity as a result of this mess squandered thousands of euro in credit on useless junk?
Seriously?

This is pathetic.

You're right, I bet my collection of antique baby carrot jars hasn't depreciated anywhere near as much as houses in the last 5 years.

BOF666 · 12-09-2012 06:05AM

hatrickpatrick wrote: »

Who was shoving these mortgages down people's throats? Who was misleading people about the value of their properties?

I doubt the bank made him apply for a mortgage, he probably made that choice himself...

trodsky · 12-09-2012 06:12AM

It's great finally some one has the balls to stand up to these people.

I hope this movement gathers momentum fast

BOF666 · 12-09-2012 06:16AM

trodsky wrote: »

It's great finally some one has the balls to stand up to these people.

I hope this movement gathers momentum fast

What people? Just pay your bills and there'll be no evictions and no need for protests!

Oranage2 · 12-09-2012 06:30AM

Also why doesnt he just stop paying move out and then buy 2 apartments for the €220k?

Fr_Dougal · 12-09-2012 06:44AM

Where's my NAMA?! Derp.

gurramok · 12-09-2012 07:30AM

bmcc10 wrote: »

http://www.irishtimes.com/newspaper/ireland/2012/0912/1224323911784.html#.UE_arUPsc0A.

What yous make of these i sense i real bloodbath in the making really look like a hardy bunch.

I don't see any gun wielding yobs in the picture?

hatrickpatrick wrote:

the banking and political establishment which repeatedly lied to people, mislead them about property values and told them it would all be fine.

Quite a comedian here, nobody was misled over property values. They bought at a price they thought was value. Real problem is that they didn't know what value was!

up for anything · 12-09-2012 08:03AM

This country is made up of idiots according to the brains of AH. Idiots who believed the lies and evasions their leaders, government and financial institutions told them. Bertie telling us a couple of weeks before he resigned that there was no danger of a recession, prior to that suggesting people who talked downturn and recession should go commit suicide. Officials who told us that there were no bank problems right up until they could hide it no more. Either the people can believe and rely and on their elected representatives to lead them honestly or they can rely on them to lead them up the garden path, to their over-priced, now negative equity homes. Is it any wonder that we don't believe a word those gouging, self-interested and dissembling fucks who lead our government, both in power and in opposition, say?

Is there one person who can put their hand up and say that they implicitly believe that the present government is doing the best by the Irish people? Is there one person who can put up their hand and say that if this government was brought down, the next one elected in would be any better?

the groutch · 12-09-2012 08:14AM

I hate when people play innocent like this.
"I was unaware of what I was signing"
Total BS. He was well aware of what he was signing, he needs to stop throwing the toys out of the pram and face up to his responsibilities.

Jarren · 12-09-2012 08:18AM

Nobody put a gun to his head .

Gummy Panda · 12-09-2012 08:47AM

hatrickpatrick wrote: »

BOF666 wrote: »

His argument is basically "I didn't read my contract, and now I'm getting kicked out because I didn't pay my mortgage, it's not fair"

Surely if the sheriff turns up with the Gardaí they’ll do something? If he’s allowed stay there, he might as well be getting a free house…

"The Article, if you bothered to read it&#34 wrote:

“It is the common story of getting into difficulties and arrears. But I am only six years into my 30-year mortgage – who is to say my situation won’t change? I want to keep paying but based on what I can afford,” he said after the sheriff had left yesterday.

Mr Dooley said he has an appointment to discuss his mortgage with Permanent TSB later this month and he would suggest that he keep up his repayments but at a lower amount than at the start of the mortgage term.

He's not intending to simply not pay his mortgage, ever.
I love how Boardsies are so beautifully quick to turn on people like this man while clearing the other side of all blame or responsibility. Who was shoving these mortgages down people's throats? Who was misleading people about the value of their properties? Who was telling anyone who disagreed to commit suicide?

Barking up the wrong tree in such an unbelievably sad way by persistently coming down on the side of the bank in cases like these. As if they're perfect angels who never deliberately manipulated or screwed anyone over?

That's what he says to the newspaper. Truth can be totally different.

the groutch · 12-09-2012 08:56AM

Gummy Panda wrote: »

That's what he says to the newspaper. Truth can be totally different.

Indeed, I find it hard to believe that a bank would rather repossess the home, and be left with a loss of upwards of 100k rather than arrange a payment plan. And nobody gets evicted like that for missing a single payment, chances are he hasnt paid a penny in 6 months or more.

super_furry · 12-09-2012 09:13AM

So they basically want free houses. Someone else paid €200,000 on their behalf for a property and now they want that property for nothing.

haulagebasher · 12-09-2012 09:42AM

The authorities need to and will get tough with this guy. Look, the way I see it this guy signed a contract with the lender to pay back so much per month and that if he failed the house and security could be seized. Of course, there is a certain amount of risk involved always, but by signing he accepted that risk and if he wasn't prepared to deal with the potential consequences then he had no business signing a mortgage. Simpple as. Why is it that people are alwasy looking for soft treatment because of their sob story and expect the rules to be bent to suit them?If this carry on were to be accepted and evictions were not carried out then why would anybody bother to pay a mortgage when they could just sit pretty, not pay a penny and get off scott free. No surprise that the usual suspects are involved - People before profit chap and other far left extremeists. Gardai need to nip this one in the bud.
Anyway as said by someone else, the bank doesn't initiate a eviction/repo if someone is paying a lower rate. There is more to this than that crowd are letting on and they know it too. He probably isn't paying anything for ages and is now spinning us a yarn.

Cienciano · 12-09-2012 09:52AM

the groutch wrote: »

Indeed, I find it hard to believe that a bank would rather repossess the home, and be left with a loss of upwards of 100k rather than arrange a payment plan. And nobody gets evicted like that for missing a single payment, chances are he hasnt paid a penny in 6 months or more.

Yeah, there's always more to the story. People don't get evicted for nothing. Remember the last guy who was evicted that got lots of media attention? Turned out he owned 30 properties.
Not saying this guy does, but would like to hear the full story.

And he bought in 2008! Jasus, even Brendan O'Connor wouldn't have advised you to buy then

Lollipops23 · 12-09-2012 10:45AM

I have relatives who overstretched themselves to buy during the boom- this was a time where you were sneered at for merely renting and not getting on the ladder, as house prices were "only going to go up".

However, they've all made changes to ensure they can make the payments, despite job losses/relationship break ups etc.

This guy sounds like he's just had a hissy fit and is squatting. There's no mention of if he went to the bank to see about interest only for a while, or if he got in lodgers etc.

BizzyC · 12-09-2012 01:18PM

You sign a a contract to pay the mortgage back at a certain rate.
If he fails to do that he's broken the contract, simples.

He can't decide he deserves to continue payment at a lower rate himself, he can only do that with the agreement of the bank. If they haven't agreed to anything yet then he's got no leg to stand on.

Banks are generally very willing to accomodate people. They have the potential to earn back their money by adjusting payments whereas they take on the negative equity themselves by evicting people.

The fact that this guy is being evicted shows that there's probably more to the story than he's saying.

12-09-2012 01:41PM

Lollipops23 wrote: »

I have relatives who overstretched themselves to buy during the boom- this was a time where you were sneered at for merely renting and not getting on the ladder, as house prices were "only going to go up".

However, they've all made changes to ensure they can make the payments, despite job losses/relationship break ups etc.

This guy sounds like he's just had a hissy fit and is squatting. There's no mention of if he went to the bank to see about interest only for a while, or if he got in lodgers etc.

He also seems happy to sit at home all day, wonder if that maybe contributed to him not being able to make repayments. :pac:

Professey Chin · 12-09-2012 01:46PM

He took out the mortgage in 2008 and now says hes 6 years into it...
I think I see the problem here

Richard Hillman · 12-09-2012 01:52PM

He took out a loan and he can not pay it back. As a shareholder of Permanent TSB, i demand that this house is repossessed and sold.

swimming in a sea · 12-09-2012 01:52PM

I wonder what the right attitude with these people should be, turf them out\renegotiate the mortgage\debt relief.

2008 I thought about buying a house, I had a decent size deposit but anyway I looked at the figures it didn't make sense, I'm not in business or anything like that but I saw it.

So this sh*t about the poor people been tricked into mortgages by dirty banks makes me sick.

But overall to many of these greedy or silly people bought houses and collectively are sitting on massive negative equity which will stifel any growth in this country for years.
So even though me and others like me may not like it too much there will have to be some sort of debt relief etc put in place.:(

Anti Eviction

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