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Select Committee on Finance, Public Expenditure and Reform, and Taoiseach: Finance Bill 2016: Committee Stage (Resumed) (15 Nov 2016)

Michael D'Arcy: Effectively, the Deputy is asking whether such companies are working the numbers backwards in order that less tax will be applied when this section kicks in.

Select Committee on Finance, Public Expenditure and Reform, and Taoiseach: Finance Bill 2016: Committee Stage (Resumed) (15 Nov 2016)

Michael D'Arcy: It might be helpful if the Minister of State were to supply the committee with a note.

Select Committee on Finance, Public Expenditure and Reform, and Taoiseach: Finance Bill 2016: Committee Stage (Resumed) (15 Nov 2016)

Michael D'Arcy: Is the Deputy looking for a minimum effective rate?

Select Committee on Finance, Public Expenditure and Reform, and Taoiseach: Finance Bill 2016: Committee Stage (Resumed) (15 Nov 2016)

Michael D'Arcy: Amendments Nos. 77 and 78 have been ruled out of order.

Select Committee on Finance, Public Expenditure and Reform, and Taoiseach: Finance Bill 2016: Committee Stage (Resumed) (15 Nov 2016)

Michael D'Arcy: Amendment No. 86 has been ruled out of order.

Select Committee on Finance, Public Expenditure and Reform, and Taoiseach: Finance Bill 2016: Committee Stage (Resumed) (15 Nov 2016)

Michael D'Arcy: Are we now trying to tax the properties that we said a number of years ago would not be liable to capital gains tax? That was in a previous budget when we were trying to entice people to buy them.

Select Committee on Finance, Public Expenditure and Reform, and Taoiseach: Finance Bill 2016: Committee Stage (Resumed) (15 Nov 2016)

Michael D'Arcy: I have spoken to the Minister about mortgage interest relief on a loan taken out prior to the end of 2012 to self-build on a portion of land. I ask the Minister of State to consider that there are a small number of people who are caught in that predicament and on Report Stage to consider providing for mortgage interest relief. I raise this issue on behalf of Deputy John Paul Phelan who has...

Select Committee on Finance, Public Expenditure and Reform, and Taoiseach: Finance Bill 2016: Committee Stage (Resumed) (15 Nov 2016)

Michael D'Arcy: No; I am talking about providing for mortgage interest relief under this section.

Select Committee on Finance, Public Expenditure and Reform, and Taoiseach: Finance Bill 2016: Committee Stage (Resumed) (15 Nov 2016)

Michael D'Arcy: Is it possible between now and Report Stage for the Minister of State to furnish a note on the effectiveness of the excise on cigarettes? There was to be an effective floor but that does not seem to be in place any longer, mainly because of the divergence in price of more than €2 per pack of 20 between value brands and normal brands. I am not a smoker so I do not know that is the...

Select Committee on Finance, Public Expenditure and Reform, and Taoiseach: Finance Bill 2016: Committee Stage (Resumed) (15 Nov 2016)

Michael D'Arcy: And VAT.

Select Committee on Finance, Public Expenditure and Reform, and Taoiseach: Finance Bill 2016: Committee Stage (Resumed) (15 Nov 2016)

Michael D'Arcy: I support Deputy McGrath's amendment. There are people throughout the country at various levels collecting moneys in various ways, whether through Strictly Come Dancing events, street collections, log sales or whatever and it is unfair that the State takes the VAT portion of that money. I would like to hear the Minister's response on that. I know there is a cost to the Exchequer but there...

Written Answers — Department of Agriculture, Food and the Marine: Single Payment Scheme Payments (30 Nov 2016)

Michael D'Arcy: 165. To ask the Minister for Agriculture, Food and the Marine when a single farm payment will issue to a person (details supplied) in County Wexford; and if he will make a statement on the matter. [37810/16]

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland: Ulster Bank (1 Dec 2016)

Michael D'Arcy: What about 2008?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland: Ulster Bank (1 Dec 2016)

Michael D'Arcy: Chairman, if Mr. Blair gave a cumulative figure for all the loan books it would not be giving anything away.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland: Ulster Bank (1 Dec 2016)

Michael D'Arcy: The idea that a bank does what the customer wants does not sit well with me after spending two years in a windowless room on the banking inquiry. I do not intend to be mean. Ulster Bank sold a number of projects - Oyster, Aran, Nadal, etc. - for as much as 14 billion. Is that €14 billion?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland: Ulster Bank (1 Dec 2016)

Michael D'Arcy: Beyond the standard practices - the threshold, for example - that are guaranteed by the Central Bank or legislation, does Ulster Bank have criteria that protect the interests of the borrower?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland: Ulster Bank (1 Dec 2016)

Michael D'Arcy: I am not referring to those. Specifically, if someone has a complaint, he or she can advance it to the Financial Services Ombudsman, but only if the business is below the €3.5 million threshold. Has Ulster Bank considered, or will it consider in future, inserting specific clauses to protect a borrower's interests if he or she is over that threshold?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland: Ulster Bank (1 Dec 2016)

Michael D'Arcy: Would the board consider it, please? I wish to cite a scenario without naming anyone. If a bank holds a body's loan, it is different than a vulture or investment fund. Investment funds can package loans and put their interests ahead of the interests of the borrower. They meet the letter of the criteria, but not their spirit. For any company that is over the €3.5 million threshold,...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland: Ulster Bank (1 Dec 2016)

Michael D'Arcy: Has Mr. Mallon or Ulster Bank been made aware of circumstances of this nature? I am referring to people who have borrowed from Ulster Bank in good faith and the bank packaged and sold their loans to an investment fund. Has it been brought to the witnesses' attention that there has been sharp practice?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Sector in Ireland: Ulster Bank (1 Dec 2016)

Michael D'Arcy: Mr. Mallon?

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