Dáil debates
Wednesday, 1 May 2013
Other Questions
House Purchase Schemes
2:35 pm
Richard Boyd Barrett (Dún Laoghaire, People Before Profit Alliance) | Oireachtas source
10. To ask the Minister for Environment, Community and Local Government when legislation underpinning the proposed incremental purchase scheme for existing local authority houses will be drafted, in view of the fact that there is currently no scheme available to tenants to purchase their local authority houses; and if he will make a statement on the matter. [20477/13]
Car. H.
Posted on 1 Oct 2013 1:44 am (Report this comment)
I would like your help in answering the following. I have been refused a mortgage of 103,00 to buy out my council dwelling that I have been in for 19 years, I will never have this opportunity again at the age of 41 my time to obtain a mortgage is running out. My council's housing dept. in DLRCOCO had told me that if I had 2 refusals of mortgage applications that I could apply for a tenant house purchase loan ..... then they too refused me based on poor credit rating that I had when I was down on my luck & was late paying off a couple of loans ( over a period of time) at the time i was a single parent ( for 13 years ) I have never been out of work since the age of 17, I have always worked full time & paid my way in society. I continue to do so ONLY now have the added expense of bailing out THE BANKS & paying ministers wages through my hefty taxes, usf, paye, prsi, i am also a victim of having an extra €30 p/wk deducted from my wages because the JMB decided because I work in a school building I have to give back this money to my employers??? etc.. etc... & The Bank MY BANK that I have been with for 20 years AIB have refused me a mortgage based on poor credit rating for little itty bitty loans years & years ago. Myself & my husband both work & it is the right time for us to buy ..... with a council discount coming off the price of the value of my house we had the opportunity to buy @ 103,000 & imagine we were refused again & again the chance of a mortgage. AIB want / EXPECT you to have 10% of the value of said house in your bank account, then THEY of all establishments want you to have a perfect unblemished credit history & because of them my chance of ever getting on the property ladder has been cruelly taken away from us as a family. I would like help & assistance from every angle & the promise to have the opportunity to buy my house. At them moment I am paying more weekly council rent than I would be if I was re-paying a mortgage.... where is the sense in that. Surely with all your power & knowledge you can give me advice that will ensure that I SUCCESSFULLY obtained a mortgage or chance to own my present council dwelling.
i am a dlrcoco tenant of 19 yrs
I await your reply, advice & useful suggestions.