Results 4,461-4,480 of 5,732 for speaker:Fidelma Healy Eames

Seanad: Adjournment Matters: General Practitioner Services (2 Apr 2014)

Fidelma Healy Eames: It does not sound good if nothing has happened.

Seanad: Order of Business (3 Apr 2014)

Fidelma Healy Eames: His points were well made.

Seanad: Order of Business (3 Apr 2014)

Fidelma Healy Eames: Sometimes I think we do not live in the real world. I heard the reports today that the Insolvency Service of Ireland, ISI, has concluded only four mortgage deals, as Senator Hayden said, in a year. ISI said progress is slow; that is the understatement of the year. It is ineffective. My colleague, Senator Quinn, said it is time we brought that legislation back into the House to make it...

Seanad: Order of Business (3 Apr 2014)

Fidelma Healy Eames: The GPs have said the opposite. The Minister of State said the GPs could negotiate without influencing cost. Is that negotiation? I rest my case. Let us have a proper public consultation that includes all the stakeholders who are needed to deliver universal health care.

Seanad: Order of Business (3 Apr 2014)

Fidelma Healy Eames: He created himself.

Seanad: Order of Business (8 Apr 2014)

Fidelma Healy Eames: Go raibh maith agat, a Chathaoirligh. I wish to say to the Leader that it is time to assess the affect that cuts and austerity have had on the economy. It appears that ECB President Draghi has seen the light and is of the view that austerity is not working. We can really see the affect that austerity has had on rural economies and rural Ireland, in particular. In that context, Teagasc has...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: My apologies. That is not a problem.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: I thank the witnesses for attending. I am delighted to have the opportunity to ask them a few questions. Sustainable solutions are in all our interests, including the bank's and its customers' interest. When did Ulster Bank first offer the split mortgage in Ireland? The witness referred to it a few times.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: This is 2014. One month ago a family I know requested a split mortgage but it was told that Ulster Bank did not offer such a product in Ireland.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: Did I mention any?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: There is no problem. I will not mention them. Can the witness comment on that?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: The bank's mortgage arrears support unit specifically said that. I had intended asking, and I have issued a press statement on this, when the bank would commence offering split mortgages. That was due to be my question based on the advice I received. Basically, I am showing a contradiction between what the witness is saying and what the bank's staff are saying. I accept the witness's answer.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: Can Mr. Bell tell me the criteria to qualify for a split mortgage? If a customer wants one, will the bank facilitate that?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: Was that 26?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: If a customer specifically wants one, would the bank facilitate that?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: Obviously I am talking about people who cannot do so.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: Does Ulster Bank note the Central Bank's advice on age guidelines?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: Let me put it another way. I am talking about a couple in their mid-forties who were given a 30-year mortgage by Ulster Bank. One income has been lost in the family. They were prepared to pay their mortgage into their mid-70s. Ulster Bank facilitated that loan six or seven years ago during the boom.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: They have lost one income and have looked for a sustainable solution. They never stopped paying the mortgage and have always been compliant, although they have had to pay less. They looked for a split mortgage but were told that it was not available. They are now being offered a term extension by Ulster Bank which will put them into their eighties and past their life expectancy. Does Mr....

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)

Fidelma Healy Eames: Never mind the specific case, what I am saying is that if it is happening here, it is happening with others. I accept that everything is dealt with on a case by case basis but I wrote to the Governor of the Central Bank about this case. The Central Bank gave me specific guidelines on age. In certain conditions, if there was income to support it, a person might be let go to 70 or a little...