Results 81-100 of 583 for speaker:Tom Barry

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Overview of the Banking Sector in Ireland (Resumed): Ulster Bank (29 Apr 2015)

Tom Barry: While I appreciate Mr. Brown's point, having dealt with many people who are experiencing problems with their mortgages, the problem is that arrears and interest clock up to such an extent that they face large bills. They will settle for any type of arrangement that keeps them in their homes. Is Ulster Bank future proofing its approach to this issue?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Overview of the Banking Sector in Ireland (Resumed): Ulster Bank (29 Apr 2015)

Tom Barry: A split mortgage would allow people to stay in their home and, at a later date, either sell the property or pass it on to someone who would then have a small mortgage on it. This option removes the fear element. While I appreciate that every case is different, I am not a fan of the concept Mr. Bell outlined.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Overview of the Banking Sector in Ireland (Resumed): Ulster Bank (29 Apr 2015)

Tom Barry: Mr. Bell and I will agree to differ on that point. If a person moves into a restructured arrangement for a business which has a core or non-core debt or in circumstances in which he or she is moving from being a sole trader to a limited company, the interest rate is likely to increase on the basis that many of them will have borrowed at a very favourable rate. In such cases, Ulster Bank...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Overview of the Banking Sector in Ireland (Resumed): Ulster Bank (29 Apr 2015)

Tom Barry: I would like a written reply.

Mortgage Arrears and Repossessions: Motion [Private Members] (28 Apr 2015)

Tom Barry: I welcome the opportunity to speak in this debate tonight. The matter of mortgage arrears is essentially the fall-out from bad governance and we are coming to the end of what would be a standard curve in that respect. People were loaned money at low rates. The principal was even a stretch at a time when the country was in full employment. There were long loan terms with 30 plus years but...

Joint Oireachtas Committee on Agriculture, Food and the Marine: Basic Payment Scheme and GLAS: Discussion (Resumed) (28 Apr 2015)

Tom Barry: With all due respect, could we get through what they have to say and we will dissect it afterwards?

Joint Oireachtas Committee on Agriculture, Food and the Marine: Basic Payment Scheme and GLAS: Discussion (Resumed) (28 Apr 2015)

Tom Barry: I welcome the witnesses and thank them for their presentations. I am glad to see the document states the Department needs independent and suitable access to all parcels of land. It is something that was not properly defined in the past and, as the witnesses know, has created significant problems. The definition of the boundaries could be explained better. Is barbed wire fence a boundary?...

Joint Oireachtas Committee on Agriculture, Food and the Marine: Basic Payment Scheme and GLAS: Discussion (Resumed) (28 Apr 2015)

Tom Barry: I would like to mention one small thing. It is good to hear about www.bing.com. I had never heard of it. I can see where the officials are trying to get to. I just think we are almost going to the point of instant mapping. There has to be some sort of line in the sand, or time delay, to allow for practicality here. I think the officials are creating a mountain of work for themselves and...

Joint Oireachtas Committee on Agriculture, Food and the Marine: Basic Payment Scheme and GLAS: Discussion (Resumed) (28 Apr 2015)

Tom Barry: I appreciate that with respect to the 2015 measures, getting it right is important. With regard to boundaries, which I raised earlier, can Mr. Harty define what he regards as a boundary, especially for splitting crops in arable areas, which was my point? Does the person need poles and wire or-----

Joint Oireachtas Committee on Agriculture, Food and the Marine: Basic Payment Scheme and GLAS: Discussion (Resumed) (28 Apr 2015)

Tom Barry: Mr. Harty understands the point I am trying to make.

Joint Oireachtas Committee on Agriculture, Food and the Marine: Basic Payment Scheme and GLAS: Discussion (Resumed) (28 Apr 2015)

Tom Barry: They are not allowed.

Joint Oireachtas Committee on Agriculture, Food and the Marine: Basic Payment Scheme and GLAS: Discussion (Resumed) (28 Apr 2015)

Tom Barry: Would wire be acceptable over bailer twine?

Joint Oireachtas Committee on Agriculture, Food and the Marine: Basic Payment Scheme and GLAS: Discussion (Resumed) (28 Apr 2015)

Tom Barry: I get the point. I referred to a situation in which a fence is running with the tram lines. If two farmers split it and they both sowed winter barley, could they run a fence with the tram lines or would they have to leave a physical gap?

Joint Oireachtas Committee on Agriculture, Food and the Marine: Basic Payment Scheme and GLAS: Discussion (Resumed) (28 Apr 2015)

Tom Barry: Could spraying it off afterwards be defined? Dr. Grogan knows the problems.

Joint Oireachtas Committee on Agriculture, Food and the Marine: Basic Payment Scheme and GLAS: Discussion (Resumed) (28 Apr 2015)

Tom Barry: It is very important.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Overview of the Banking Sector in Ireland: Allied Irish Banks (22 Apr 2015)

Tom Barry: The representatives from AIB are very welcome. I banked with AIB for many years and I am very familiar with its workings. I will not go back over some of the points that were made. Mr. Duffy might give me some answers in writing if he cannot answer all my questions now. The Strategic Banking Corporation of Ireland has not been mentioned. What is the typical rate the bank will lend at...

Joint Oireachtas Committee on Agriculture, Food and the Marine: Horticulture Sector: Irish Farmers Association (21 Apr 2015)

Tom Barry: I welcome the witnesses. The problem, as alluded to by previous speakers, is that the multiples have secured a dominant position in the market as a result of the shopping behaviour of Irish people. I do not know how the growing phenomenon of online sales will be dealt with but it, too, must be addressed. Are potato sales, which stood at €150 million at one point, still in decline as...

Joint Oireachtas Committee on Agriculture, Food and the Marine: Horticulture Sector: Irish Farmers Association (21 Apr 2015)

Tom Barry: I have been involved in buying and selling a lot of products over the years and not just agricultural products. I take Mr. Brophy's point about the invoice cost but it would be naive to say that is a fundamental basic. We all know about rebates and we all know about scale. Mr. Brophy knows well that if we brought in something based on the invoice cost, I, or someone else could produce an...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Flood Risk Insurance Cover: Discussion (15 Apr 2015)

Tom Barry: I agree with many of the contributions made. We have a particular problem in Cork with OPW maps, as stated earlier. Consultation is taking place. A private company is doing the mapping and people are giving their observations. Many of these flood plains have been viewed from the sky and are computer generated models but are completely inaccurate on the ground. Funds have not been put in...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Flood Risk Insurance Cover: Discussion (15 Apr 2015)

Tom Barry: I am aware of that but we have been having this battle with the OPW for years. The solution has not happened yet. I do not believe the OPW has created solutions in time so we may need to bring local authorities and Departments in to place.