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Seanad: Order of Business (12 Mar 2014)

Aideen Hayden: .... The report raises very serious concerns about the Financial Services Ombudsman. It states that, although the Financial Services Ombudsman "will examine a failure by a lender to adhere to process, it feels unable to overturn the commercial decisions of lenders to declare a mortgage unsustainable or to offer what a borrower may believe is an unsuitable alternative repayment arrangement....

Seanad: Child Protection: Motion (5 Mar 2014)

Aideen Hayden: ...speech. She has brought this debate to another level in looking more specifically at the whole issue of childhood and how it has evolved in the wider society to a point where we now believe and feel we need to protect children and give them a value. While I do not want to repeat much of what has been said in the debate, I will make a couple of points. Historically, when we look at, for...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Bi-annual Review 2013: Financial Services Ombudsman (5 Mar 2014)

Aideen Hayden: ...conduct on mortgage arrears if the number of findings in favour is so low. Does he accept my view? As he mentioned in his evidence, he has made proposals to the Central Bank about cases that he feels should be brought to its attention. With regard to the mortgage arrears resolution, CCMA, process, is he at liberty to tell us what improvements he has recommended to the Central Bank?

Seanad: Economic Growth and Job Creation: Statements (4 Mar 2014)

Aideen Hayden: ...we can do for the self-employed is to give them the kind of security they need to take the kinds of chances they want and need to be able to take for us to have an entrepreneurship economy. I also feel we have not gone far enough in addressing what I see as a looming pensions crisis, something that will come back to haunt us. As the events of the week in Ukraine have shown us, it is clear...

Joint Oireachtas Committee on European Union Affairs: Role of National Parliaments in European Semester and Annual Growth Survey 2014: Secretary General of European Commission (23 Jan 2014)

Aideen Hayden: ...is an argument that the Commission, to some extent, as the permanent civil service, is the conscience of the European Union and its job is to see difficulties coming around the track. Does Ms Day feel the Commission has to take responsibility to some extent for the way in which the European roadmap has taken a significant hit, particularly economically, in recent years? What way does she...

Seanad: Order of Business (19 Dec 2013)

Aideen Hayden: ...place. To give some good news, there has been a reduction in the number of calls to the Samaritans, which they say is because of increased hope in the country. It is worth noting that. We all feel for people who find themselves on the brink of despair and it is good to know we are turning the corner in that regard. I welcome the announcement that the Taoiseach, Deputy Enda Kenny, and his...

Seanad: Finance (No. 2) Bill 2013: Committee Stage (Resumed) and Remaining Stages (12 Dec 2013)

Aideen Hayden: ...older people are very nervous and concerned about the cost of medical care. To be fair, a number of people do not believe they will be adequately taken care of under the public health system and feel they must have private medical care to protect themselves. I have some sympathy with what the Senator proposes in this recommendation but I do not think it is practical or even relevant to...

Seanad: Order of Business (5 Nov 2013)

Aideen Hayden: ...engaging with borrowers directly ourselves, is that many borrowers are intimidated in dealing with their lending institution and it certainly is not an equal relationship. Many borrowers do not feel that they are on an equal footing in dealing with their lending institutions. I hope this service will be effective and that it will be properly resourced by AIB and will lead to more...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Overview of 2014 Pre-Budget Submissions: Discussion (Resumed) (12 Sep 2013)

Aideen Hayden: ...of universal means testing for all benefits rather than means testing of people on each occasion they apply for a benefit? I agree with the suggestion made by my colleague. I cannot help feeling that an awful lot of current cuts are cuts by stealth. It reminds me of years ago when I worked in a law firm and I was trying to get a visa for somebody who was opening a very prestigious...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Overview of 2014 Pre-Budget Submissions: Discussion (Resumed) (12 Sep 2013)

Aideen Hayden: ...a bad nutrition tax. I put the question of whether the proceeds of such a tax could be ring-fenced, particularly for the provision of food to children in the school system. What would the panel feel about that? On labour market activation, going back to some of the overall comments, it seems that we need to move outside the box completely. Perhaps what we should be considering is...

Seanad: Protection of Life During Pregnancy Bill 2013: Committee Stage (17 Jul 2013)

Aideen Hayden: ...- the Senators have my absolute assurances on that. I have confidence in the medical profession. It is quite clear from all the evidence we heard from the various groups that it is not about feeling the wind on one's skin, appreciating the sun on one's open eyes or whatever. We are all fully aware of what fatal foetal abnormality is. I would say to Senator Brian Ó Domhnaill that it...

Seanad: Order of Business (11 Jun 2013)

Aideen Hayden: ...formulated, putting such pressure on young people. In the past 20 years no one has asked me what I got in my leaving certificate but that makes no difference to the way students sitting that exam feel today. I welcome the changes announced by the Minister for Social Protection in her review of rent supplement limits. She has introduced higher limits in some urban areas. The Opposition...

Seanad: Financial Emergency Measures in the Public Interest Bill 2013: Second Stage (30 May 2013)

Aideen Hayden: ...in the wake of a number of similar items of legislation removing benefits from public servants, most of them introduced by the previous Government. It is easy to understand the fatigue public servants feel, their anger towards further cuts and that they increasingly feel misunderstood and undervalued. Like all of us, they are sick to the teeth of the expression "delivering more with...

Seanad: Order of Business (1 May 2013)

Aideen Hayden: ...than they were in others. I agree with the Opposition that we should have nothing but measured and reasonable debate on this legislation. When it is enacted, I hope all women in this country will feel their lives are equally protected. Will the Leader arrange a debate on the new code of conduct on mortgage arrears? The consultation process was to finish at the end of April. I believe...

Seanad: National Lottery Bill 2012: Second Stage (24 Apr 2013)

Aideen Hayden: ...-threatening illnesses. Much as I would love to be in a position never to sell anything, creating instead good-quality State companies as the need arises, the time to sell the national lottery is now. I might feel somewhat different if the asset in question was Coillte, or some of the other companies, but I am afraid I do not hold the national lottery in the same esteem. "Esteem" is...

Seanad: Mortgage Arrears: Motion (17 Apr 2013)

Aideen Hayden: ...would not have to be acquired by a housing association. I ask all parties to consider this proposal. Much of the debate on this issue to date has focused on residential mortgages. Members know I feel very strongly about this. Some of the comments made by people such as Patrick Honohan and Matthew Elderfield have treated those who live in buy-to-let properties like second-class citizens.

Seanad: Finance Bill 2013 [Certified Money Bill]: Committee and Remaining Stages (21 Mar 2013)

Aideen Hayden: I have mixed feelings about this provision because as I understand it pre-retirement access excludes self-employed sole traders and unlimited partnerships, persons who can contribute only to personal pensions or PRSAs. I have often listened to Senator Crown advocate very strongly the idea that self-employed people should be able to access their pension funds for good reason, not least...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Access to Credit Provision: Discussion with Credit Review Office (20 Feb 2013)

Aideen Hayden: ...Irish banking sector's constructive engagement with the SME sector? I remain to be convinced that there has. The level of appeals is low. We all know from personal experience the anger people feel towards the banks with regard to lending. Can Mr. Trethowan put his finger on exactly why there is not more of an outcry and more people going to the Credit Review Office? It strikes me that...

Seanad: Private Rented Sector: Statements (6 Feb 2013)

Aideen Hayden: ...who live therein; they are their homes and should be regarded as such. Since the introduction of the Act, there has been some rent certainty. A landlord cannot simply increase the rent whenever he feels like it. Perhaps the most important change has been access to dispute resolution mechanisms. Many tenants have poor economic means and do not have the capacity of wealthier people to go...

Seanad: Order of Business (5 Feb 2013)

Aideen Hayden: ...under Irish law. This follows on from regulations introduced in 2009. Fortunately, many landlords have taken the necessary steps to upgrade their accommodation. Many people have warm and fuzzy feelings about their time in college and their early years of employment and look back with some fondness on the traditional bedsit. From my personal experience I have seen a period house divided...

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