Results 701-720 of 12,033 for speaker:Regina Doherty
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)
Regina Doherty: I did not indicate.
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)
Regina Doherty: I want to say "thank you" to our guests on my own behalf for the work they do and the representations they make on behalf of people who are in very vulnerable situations. The people with whom I deal in my office genuinely appreciate it because they felt that before the advent of organisations like those of our guests they did not have anywhere else to go, and that is a reflection on policy....
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)
Regina Doherty: Could I ask-----
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)
Regina Doherty: This is really important. Are my ten minutes up already? Could I quickly ask a question?
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)
Regina Doherty: I knew I was a fast talker. At what point did that happen? I would like to hear the specifics of the case. Was it the case that the person had not paid their mortgage for a year and was being brought to court, or had repayments not been made for five years? At what point does the bank say there is no point in talking further or that the proposed solutions are not sustainable and that...
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)
Regina Doherty: But that is not the case in practice. The law might say that one can do something in a couple of months, but what I am worried about is the practice. If the banks were taking people to court for repossession having only been in arrears for a couple of months, everyone in the country would be jumping up and down.
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)
Regina Doherty: That is what I am asking the witnesses. What is the practice? In their experience, what is the shortest length of time after which people are being taken to court for repossession orders from when they have stopped paying their mortgage because they cannot afford it?
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: Discussion (2 Apr 2014)
Regina Doherty: Could I just ask-----
- Joint Oireachtas Committee on Health and Children: Quarterly Update on Health Issues: Minister for Health (3 Apr 2014)
Regina Doherty: If their Internet is turned off, they do not interfere.
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)
Regina Doherty: I wish to focus on the 136 people who have been subject to repossessions in the past 12 months. Were all of these family homes? Based on the conversations we have had up to now the bank representatives have suggested that it will only move legally on a person who has not engaged or made any payments towards the mortgage for a period in excess of two years. Does that apply to each of those...
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)
Regina Doherty: I wish to tease that out. I was not trying to be smart when I was referring to evictions because repossessions are disturbing regardless of whether they are voluntary. We can be sure that voluntary means something different from the defined term or what it means in the real world than for the people concerned. These people took the view when they voluntarily gave back their keys to the...
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)
Regina Doherty: I will ask Mr. Bell again. In my mind, an assisted voluntary sale means that I am assisting or the bank is assisting me. If we are assisting each other to sell my family home, there is engagement. At that point, what negotiations took place with a view to the bank assisting the family to stay in the home? This is what I am trying to get to the root of.
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)
Regina Doherty: Some 123 people voluntarily assisted the bank by selling their homes.
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)
Regina Doherty: No, 13 families were involved in voluntary surrenders. I referred to a figure of 123 people. I understand that 13 families informed Ulster Bank they were leaving their homes and surrendered their keys. However, 123 families approached the bank because they did not see a sustainable solution and decided to have Ulster Bank sell their home and work out a deal for the outstanding debt after...
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)
Regina Doherty: Mr. Bell used the words "provided they talked to us". Were they all offered a deal to assist them to stay in the family home?
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)
Regina Doherty: Why did they volunteer their keys or assist in the sale of their homes if they were not speaking to Ulster Bank?
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)
Regina Doherty: Voluntary surrender accounts for 13 people. Clearly, the 123 people who assisted in a voluntary sale were in some form of discussion with Ulster Bank. Were they all offered an option other than handing back their keys and working out a deal on the outstanding debt after the sale of the house?
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)
Regina Doherty: They were all offered the full range of solutions.
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)
Regina Doherty: In that case, I am being invited to believe that 123 people concluded that handing the keys of their home to Ulster Bank and allowing the remainder of the debt to sit on their shoulders was a better solution that finding some acceptable way to stay in the family home.
- Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Mortgage Arrears Resolution Process: (Resumed) Ulster Bank (8 Apr 2014)
Regina Doherty: Seriously.