Dáil debates

Wednesday, 19 December 2012

Personal Insolvency Bill 2012: From the Seanad (Resumed)

 

4:10 pm

Photo of Pádraig Mac LochlainnPádraig Mac Lochlainn (Donegal North East, Sinn Fein) | Oireachtas source

How does one follow that? Spot on. Deputy Healy-Rae has conveyed the difference between urban and rural mindsets.

I appreciate that the Minister has moved some ways and pushed the value of the item of ceremonial importance to €750. In fairness, he also pushed the vehicle's valuation to €2,000. I welcome this. He may believe we are being churlish in our amendments, but he knows the typical engagement ring purchased in the past decade would rarely have cost as little as €750. I appreciate that a Deputy provided him with a valuation. I was alarmed when I heard it.

I do not want the Minister to believe this is a token amendment. It is a practical measure that reflects the reality of the value of people's engagement and wedding rings. No one involved in the process wants to see legislation the practical interpretation of which permits someone's engagement ring to be taken. We will press the amendment if the Minister does not accept it. Clearly, the Government will win this debate, given the numbers in the House, but I ask the Minister to reflect on the question put to him by Deputy Niall Collins. There may be an opportunity to amend this measure at a later stage if he cannot do so today.

The second issue is that of the car valuation. The Minister used the term "luxury". I agree with Deputy Healy-Rae, in that having a vehicle in rural Ireland is no luxury. If one lives in rural parts of the Inishowen Peninsula or in north or west County Donegal, public transport will rarely pass one's way during the day. If one wants to have a job or participate in the life of the community in any meaningful way, one must have a car. I appreciate that the Minister has moved towards €2,000, as it is a step in the right direction.

The State benefits from VRT. Against all European directives, we choose to have a high VRT rate, increasing the cost of our cars. What one would get for £1,000 in the North differs greatly from what one would get for €1,200 in this State.

My amendment reflects reality. With all due respect, we are rural people and we know a basic car or vehicle, to take Deputy Healy-Rae's point on board, is necessary to survive in areas where the public transport system of many years is now absent. All the Minister needs to do is ask one of his rural colleagues what constitutes a basic car for the people in question.

I appreciate what the Minister has stated. A local business, credit union or so on will seek to strike a balance; no one wants people to be humiliated. The people under discussion are in financial hardship. Through this amendment, we want those in rural Ireland in particular to have the chance to return to the world of work.

Our amendments are practical and are not intended to disrespect the fact that the Minister has taken on board our points. I commend him in that regard, as he has not maintained a stubborn position. I appreciate the ring valuation came from an Opposition Member's recommendation. In the Minister's heart of hearts, though, he knows he probably has not gone far enough with either valuation. He may, however, insist on not accepting these amendments.

Will he at least offer an assurance that he will review these matters in the near future, in the context of his ministerial rights under the legislation?

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