Seanad debates

Tuesday, 7 March 2017

2:30 pm

Photo of Ray ButlerRay Butler (Fine Gael) | Oireachtas source

I refer to the Irish Credit Bureau. I am seeking a review of the Irish credit rating system because it is one that offers no forgiveness. In other countries people are given a second chance, but that is not the case in this country. Credit unions operate under strict rules imposed by the Central Bank of Ireland. The social protection scheme which is operated by credit unions and which was designed for people on low incomes has not been availed of by all credit unions. What about the squeezed middle who renegotiated their loans and are paying their way? They have had a tough five or six years, but after renegotiating their loans and paying their way, there is a black mark against them. It is very difficult for such persons to get even the smallest of loans from credit unions or banks. We need a new system in order that they can take out small or medium-sized loans which they will pay back. Retail sales at Christmas were down significantly because, whether we like it, the retail sector runs on credit and if we are to get the economy running, we have to help people to get credit. If they want to take out a small or medium-sized loan, they should be given a second chance. If they have renegotiated their loans, why put a black mark against them? They are paying their way. In many cases, their downfall was the result of circumstances connected to the crash which brought them to a position where they had to renegotiate their loans. We have to move on. Many people in middle Ireland are going to loan sharks who are charging interest rates of 200% or 300%, something we want to stop. We need a debate on the Irish Credit Bureau which is past its sell-by date. We need to examine how we can help the people concerned. A new system needs to be introduced because the one in place is Victorian.

Comments

TONY ROCHFORD
Posted on 10 Mar 2017 11:52 am (Report this comment)

#GoodOldSlab I'm glad to see Ray is finding his voice in the Seanad he seems to have done some good work for the Self Employed and is trying hard to bring the Book Of Kells home from Trinity College.
Yesterday was your best work i stopped been one of your so called trolls a couple of days before the election i was busy with Padraig McLoughlin who also lost his seat on Twitter.
This bakery shop http://www.alsbakery.ie/ told me he made less in December than January.
Ray Butler (Fine Gael)
7/3/2017
I refer to the Irish Credit Bureau. I am seeking a review of the Irish credit rating system because it is one that offers no forgiveness. In other countries people are given a second chance, but that is not the case in this country. Credit unions operate under strict rules imposed by the Central Bank of Ireland. The social protection scheme which is operated by credit unions and which was designed for people on low incomes has not been availed of by all credit unions. What about the squeezed middle who renegotiated their loans and are paying their way? They have had a tough five or six years, but after renegotiating their loans and paying their way, there is a black mark against them. It is very difficult for such persons to get even the smallest of loans from credit unions or banks. We need a new system in order that they can take out small or medium-sized loans which they will pay back. Retail sales at Christmas were down significantly because, whether we like it, the retail sector runs on credit and if we are to get the economy running, we have to help people to get credit. If they want to take out a small or medium-sized loan, they should be given a second chance. If they have renegotiated their loans, why put a black mark against them? They are paying their way. In many cases, their downfall was the result of circumstances connected to the crash which brought them to a position where they had to renegotiate their loans. We have to move on. Many people in middle Ireland are going to loan sharks who are charging interest rates of 200% or 300%, something we want to stop. We need a debate on the Irish Credit Bureau which is past its sell-by date. We need to examine how we can help the people concerned. A new system needs to be introduced because the one in place is Victorian.
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He also talks about fake news pages being set up by faceless Trolls who suck in locals and then start posting false stories and use them to destroy people's credibility.
This is my first story about Ray since the last election. I was putting up stories and having a pop at Ray and other TDs because i thought they could do better. The minute Ray lost his seat i stopped. You don't kick someone when they are on the ground.
I did it from two pages this one and Trim #News .Co Meath,Ireland which i closed in October 2016. Never once did i post a false story about any individual apart from winding Ray up once that i would gatecrash one of his events in Trim Castle Hotel.
I never got involved or commented or put up the story about the incident outside his office when it was claimed he knocked someone down. I wasn't there so when the evidence from the mystery video never materialized i decided to keep an open mind.
I wasn't at his home protest either but i did put up the story by sharing what was published in the national press without adding to it.
Being trolled is not just the preserve you politicians either i myself had scurrilous and very untruthful posts put up on FB about me including phone calls death threats and even phone calls to my wife saying i was having affairs. She was also told that we were only paupers because we couldn't even have kids. The garda said they could do nothing but take a statement. I finished up calling to the offender's home and explaining to him that his best option would be to take down the posts.
If i had a choice of having a drink with Ray i would because he seems to be a bit of a gullible ejit just like myself. He loves greyhound racing i loved horse racing .There were 3 generations of jockeys before me but i walked away after over 40 years of listening to lies, deception and having more bad luck than good. I was lucky i walked in winners, over 90% of owners never get that chance. It a mugs game because most bookies refuse to take bets over €70 (unless they know your a mug) without making a phone call so HQ can see who you are on CCTV.
Bookies should have a limit over the door and be required to stick to it. HQ profiles all regulars and if you're ever lucky enough to hit a winning streak they bar you by refusing to take your bets or lower your limit. ...............................................................
I have given Ray, Padraig and all the rest of my targets a second chance because life's about learning from your mistakes and second chances. Unfortunately i don't i will be getting the same chance. Like all whistleblowers i have been labeled instead of investigating my research. The Irish mentality of NO SMOKE WITHOUT FIRE & SHOOT THE MESSENGER is alive & well in IRELAND 2017 Oireachtas Committee Petition P00040/2014 buried.
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AN IDEA FOR THE SEANAD TO MAYBE CONSIDER?
#TuamBabies #PopeIre2017 Lets make this our final lesson to be learned and assure the suffering of these women and children is not to be hidden away any longer. The public need be reminded of our past and our shortcomings as a nation that allows these dreadful horrors to keep happening.
I would suggest that the children should be reburied under the Popes Cross in the Phoenix Park . Their graves should be marked with white crosses. It would make a powerful statement for the Popes expected visit in Ireland 2017/18 and let people see what nearly 800 graves actually looks like to get a real understanding of the horror. The graves could be marked out straight away with the poor souls bodies added later. The Pope himself could consecrate and bless the ground .
Conclusion
I now remind myself everyday of my shortcoming and in doing so i have bettered myself as a person. Ireland as a nation needs to do the same. Let's make our second 100 years of Freedom a new beginning from year one 2017. We ALL need to find courage & accept some responsibility for letting our family pride blind us from our Nation's shameful lack of care for so many innocent victims over the last 100 years. We need to instill a sense of peaceful patriotism in ourselves to prevent us repeating the same mistakes. In future history classes most of 1916 -2016 will be considered a shameful period where hate, corruption & and pure selfishness left the young & the weak to suffer at the hands of predators. The lack of empathy in our civil service developed as a consequence of "rules of promotion" STAY QUIET. The IRISH ambition of maintaining a facade of respectability in family names also helped cover up these shameful deeds. It's time to stop blaming the guilty for causing the problems our lack of patriotism allowed them to go unchecked.
The responsibility of returning Irelands pride lies with all of us.

TONY ROCHFORD
Posted on 10 Mar 2017 1:11 pm (Report this comment)

edit : Unfortunately i don't THINK i will be getting the same second chance.

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