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Howlin Washes his hands of Mortgage Responsibility
Monday October 24, 2011 19:46 by PAW - People's Association Watchdog
The People's Association Watchdog recently sent a letter to all TDs with a proposal regarding mortgage debt solutions, to our dismay one of the replies received was from Minister Howlin's Office to say "As this is a matter for the Mr. Michael Noonan T.D., Minister for Finance your email has been forwarded onto his Department for attention and direct reply."
Has Minister Howlin forgotten the Keane report already? He is minister for Public Expenditure and Equality and his department had the 2nd highest amount of participants in the Keane report.
It would appear that Minister Howlin is doing a Pontius Pilate and washing his hands of all the distressed mortgage holders that are being sacrificed at the behest of his banking masters.
As you may be aware, we at the People's Association Watchdog are working
hard on finding solutions
To the mortgage debt crisis that has our country in it's death grip, we
have paid great attention to all of the reports, recommendations and proposals
that have been put forward by so called expert groups, we have noticed
the huge bias in the make up of these groups and the welfare of the people
most affected are secondary to the wellbeing of the bond holders, this
is very noticeable from the most recent Keane report whereby the banking
institutions had 5 representatives while the department for equality had
only 2, in fact of the 22 participants in the Keane report 14 of them were
financial representatives; (5 Banking, 5 Dept. Of Finance, 4 Dept of Public
We in PAW are looking for some redress in balance, we are wide open to
all discussions and debate, we are not looking for debt write-offs or debt
forgiveness, on the contrary, we are all about finding a solution that
is appropriate and balanced to all involved to ensure that the economy
can continue to recover while allowing distressed mortgages holders to
deal effectively and positively with their level of indebtedness without
suffering excessive hardship.
Particular attention has been given to both the Cooney & Keane reports
along with all of the press statements and government comments, All of
these have one thing in common, they are all lacking concrete figures with
which to work on and assess, this makes everything contained within these
papers as nothing more than hypothetical suggestions. Arguments, reports
and cross talk consume a great deal of time, energy and resources while
no solid solution is ever proposed.
We would like to offer an alternative, common sense, affordable and socially
acceptable solution, we have heard time and again the mantra of "people
who can't pay and people who won't pay", well this proposal is based
on exactly that, the affordability to the homeowner while still remaining
within 5billion allocated to the banking industry through the Bailout.
Please see our proposal below, it can be tweaked to suit families or lone
homeowners by simply adjusting the percentage to be repaid I.e. Drop of
1% per child per household etc.
(B) Percentage payable of
(C)Weekly amount of Net
(D) Net Income remaining (E)
(F) Remaining Monthy Income.
A B C D E F
I would be very grateful if you would please give this proposal your consideration
and refer back at your earliest convenience for further discussions.
Mr. P Grant
People's Association Watchdog
Mr Howlin's Reply:
Dear Mr Grant
Many thanks for your email
dated 21 October 2011 regarding a mortgage debt
As this is a matter for the
Mr. Michael Noonan T.D., Minister for Finance your email has been forwarded onto
his Department for attention and direct reply.