General Election 20 GalwayWest

Robbo

6 wrote: »

Might interest a few. Hildegard Naughton and Sean Kyne voted for this.

Was that Pearse Doherty's "No Consent, No Sale" Bill. In which case, it's actually a positive that it was voted down because it the legislation he drafted was instantly unconstitutional and would have achieved a failing mark if presented by any law undergraduate. It may has well have vowed to send a manned mission to the surface of the Sun.

Wombatman

Robbo wrote: »

Was that Pearse Doherty's "No Consent, No Sale" Bill. In which case, it's actually a positive that it was voted down because it the legislation he drafted was instantly unconstitutional and would have achieved a failing mark if presented by any law undergraduate. It may has well have vowed to send a manned mission to the surface of the Sun.

Stop talking through your hoop.

Legal experts said that the opinion shows that there is not necessarily a constitutional barrier to proceeding further with the Bill, which passed a Dáil vote in January of this year.

https://www.irishtimes.com/news/ireland/irish-news/barriers-to-no-consent-no-sale-bill-can-be-overridden-say-legal-advisers-1.3953006

Have a read of this too and stop embarrassing yourself.
https://www.thejournal.ie/vulture-funds-no-consent-no-sale-bill-4466321-Jan2019/

He was trying to bring into law what was already the Central Bank's code of practice. It states that “a loan secured by the mortgage of residential property may not be transferred without the written consent of the borrower”.

ClanofLams

zell12 wrote: »

14 out of 15 candidates show up for the live radio GBFM slot.
Grealish sent in a sick note.

Two hours is not enough time. Connolly is shining brightly above all the rest of the candidates

Two hours is way too short. Should make it two hours x 2 and have one hour on housing, health, economy and all other issues.

Grealish is some bottler - obviously didn’t fancy having to justify racist remarks or his non attendance Healy rae style.

Zzippy

ChewyLouie wrote: »

Admittedly very much tinfoil hat territory here but called it a couple of weeks back when the Build the Bypass signs went up ....



Well coming across Tuam Road and over the Q bridge at rush hour this evening there were FOUR cars broken down near important junctions. Each with relaxed individuals sitting inside not looking too concerned.

Coming up to the bridge I knew there would be another breakdown and sure enough!

He probably read your post here.

Ollie, are you listening??? Feck off there now like a good lad!

ben.schlomo

Zzippy wrote: »

He probably read your post here.

Ollie, are you listening??? Feck off there now like a good lad!

I'm told he gave a cast iron guarantee to Finnegan today that FF will build 40000 houses a year for the next five years!!

thesandeman

lion_bar wrote: »

Grealish dog bite got infected so can't make the GBFM debate.

That dog will be well looked after if Grealish gets elected.
It's helped him avoid three debates in two days now.

thesandeman

Gadgetman496 wrote: »

Crowe's Bar...

That hasn't really worked out too well previously.

ronnie3585

Humble lamp post is the greatest political issue of our time.

Snow Garden

If Crowe gets a seat it's a victory for the poster manufacturers and poster pollution.
I hope Galway will not be do easily led.
We should have banned posters like other towns did.

pure.conya

Bullocks wrote: »

Interesting alright, I wonder why they voted for that? Favouring banks over homeowners?

because the banks representatives have them on speed dial and the closest we come to engagement with politicians is every 4 years to vote, when they tell us we can, we are dopes

pure.conya

ChewyLouie wrote: »

Admittedly very much tinfoil hat territory here but called it a couple of weeks back when the Build the Bypass signs went up ....



Well coming across Tuam Road and over the Q bridge at rush hour this evening there were FOUR cars broken down near important junctions. Each with relaxed individuals sitting inside not looking too concerned.

Coming up to the bridge I knew there would be another breakdown and sure enough!

tinfoil hat territory? it's pure genius is what it is

pure.conya

ben.schlomo wrote: »

I'm told he gave a cast iron guarantee to Finnegan today that FF will build 40000 houses a year for the next five years!!

https://m.youtube.com/watch?v=yAS0c5AkiNg

1641

Robbo wrote: »

Was that Pearse Doherty's "No Consent, No Sale" Bill. In which case, it's actually a positive that it was voted down because it the legislation he drafted was instantly unconstitutional and would have achieved a failing mark if presented by any law undergraduate. It may has well have vowed to send a manned mission to the surface of the Sun.

Apart from constitutionality, it would have had a very detrimental effect.

The Central Bank made clear that if would adversely affect the retail banks' ability to raise mortgage funds, it would put upwards pressure on mortgage interest rates and it would deter any outside banks who may give consideration to opening here (ie, more competition). In other words it was to the disadvantage of those looking to get a mortgage and to existing mortgate holders who are working hard to pay their mortgages.

And who would it have benefitted? Repossession is extremely low here by international standards because we have high protection for the family home. Most home loans are restructured in some way for those who engage. There is no evidence that this is any less so with so called "vulture funds" than with traditional banks (indeed the opposite, they are usually more efficient in processing settlements).

There are a tiny minority of people who make little or no effort to engage and many of these have paid nothing towards their loan in years. "Strategic defaulters" may be relatively few but they have an adverse impact on all mortgage holders. And there have been a few who have sought to sit it out in luxury style mansions rather than engage with restructuring or down sizing to a more modest dwelling, like the rest of us.

This Bill was a typical piece of Sinn Fein populist nonesense - just wanting to look good by "taking on" the "bad guys" regardless of the real consequences. Cynical propaganda.

https://www.rte.ie/news/2019/0402/1040080-no-consent-no-sale/
https://www.independent.ie/business/irish/no-consent-no-sale-vulture-fund-bill-looks-likely-to-fail-38303431.html
https://www.breakingnews.ie/ireland/sf-no-consent-no-sale-bill-could-have-severe-unintended-consequences-says-central-bank-917946.html

Robbo

Wombatman wrote: »

Stop talking through your hoop.



https://www.irishtimes.com/news/ireland/irish-news/barriers-to-no-consent-no-sale-bill-can-be-overridden-say-legal-advisers-1.3953006

Have a read of this too and stop embarrassing yourself.
https://www.thejournal.ie/vulture-funds-no-consent-no-sale-bill-4466321-Jan2019/

He was trying to bring into law what was already the Central Bank's code of practice. It states that “a loan secured by the mortgage of residential property may not be transferred without the written consent of the borrower”.

Every mortgage executed in the last few decades includes express clause(s) permitting the sale to a third party. You cannot re-write these contracts retrospectively without running interfering with property rights. If you actually read the article you linked to you'd see the constitutional issues highlighted by the OLPA and then a legal academic suggests countermeasures. The right of sale or assignment has been an essential term of a mortgage contract (in Ireland and internationally) for so long that to negate it retrospectively would require some serious counterbalancing measures, most probably compensation. The likely consequence of this would have been a further bank bailout. Whoops.

It's no use doing a copy-paste job on the CBI's Code of Conduct given that the Courts have placed precious little regard to most provisions of this. The aspect of the code regarding consent to a mortgage sale has consistently been held by the Courts to be unenforceable (see Freeman v. BOSI [2013] IEHC 371, Wellstead 2011 [IEHC] 438). It's hard to see the merit in copying someone else's homework, knowing it to be useless.

The Bill clearly wasn't written by any professional lawyer and it doesn't deserve to be treated seriously. The fact that Doherty has done nothing on this in a year suggests that he believes that it's beyond salvation but he got his headlines and that's all that matters.

cal naughton

My prediction's for the craic.

O’Cuiv - Tops the poll simple as that

Grealish - Backed the people of oughterard so gained a lot of votes in Connemara to add to his existing strong heartland of carnmore/ claregalway

Farrell - Gets in on the winds of change that is SF

Kyne - The FG vote has to go somewhere and although he was damaged by the Oughterard protest he should be more popular than Nuaghton.

Crowe - Don’t underestimate the power of a simple slogan!. Also FF are masters at vote management to get a second candidate in.



Connolly misses out as while she is a good national politician but all politics are local.



O’Tuathail – Bizzare that he did so well in the TG4 poll . Can’t see where he vote is going to come from and along with Connolly the left vote they rely on will go to Farrell. And not running for the locals has a whiff of I’m better than that.

Gadgetman496

6 wrote: »

Might interest a few. Hildegard Naughton and Sean Kyne voted for this.

Typical tactics of one well known party. Simply post this with no source & no background!

If you included the true facts your post would have had no shock horror value...

Do you really think educated followers still buy this sort of crap?

Snow Garden

cal naughton wrote: »

O’Tuathail – Bizzare that he did so well in the TG4 poll

The TG4 poll was mainly done using people in the city. He should still do ok.

Kingp35

6 wrote: »

Might interest a few. Hildegard Naughton and Sean Kyne voted for this.

The fact that they voted against this utter populist nonsense means they are more likely to get my vote!

lion_bar

Kingp35 wrote: »

The fact that they voted against this utter populist nonsense means they are more likely to get my vote!

Or did someone else vote for them?

Wombatman

Robbo wrote: »

Every mortgage executed in the last few decades includes express clause(s) permitting the sale to a third party. You cannot re-write these contracts retrospectively without running interfering with property rights. If you actually read the article you linked to you'd see the constitutional issues highlighted by the OLPA and then a legal academic suggests countermeasures. The right of sale or assignment has been an essential term of a mortgage contract (in Ireland and internationally) for so long that to negate it retrospectively would require some serious counterbalancing measures, most probably compensation. The likely consequence of this would have been a further bank bailout. Whoops.

Are these constitutional issues? No. Nice try at a rollback though.

It's no use doing a copy-paste job on the CBI's Code of Conduct given that the Courts have placed precious little regard to most provisions of this. The aspect of the code regarding consent to a mortgage sale has consistently been held by the Courts to be unenforceable (see Freeman v. BOSI [2013] IEHC 371, Wellstead 2011 [IEHC] 438). It's hard to see the merit in copying someone else's homework, knowing it to be useless.

Really? Do you think maybe that's why they are trying to pass the legislation?

The Bill clearly wasn't written by any professional lawyer and it doesn't deserve to be treated seriously.

Is that why The Dáil voted by 80 votes to 45 to pass the bill? Clearly you have no respect for democratic process and are much cleverer than our elected representatives.

I'm not saying I'm either for or against the bill BTW. I'm against, factually incorrect, nonsense content however.

If I enter into a mobile phone contract with Vodafone or a health insurance contract with Irish Life for example, should they be allowed to transfer my account to another business without my consent?

ChewyLouie

pure.conya wrote: »

tinfoil hat territory? it's pure genius is what it is

Car abandoned today at the junction in Parkmore in front of the Build the Bypass sign, just as the Medtronic shift is leaving... partially blocking the road and causing a build up.

Snow Garden

ChewyLouie wrote: »

Car abandoned today at the junction in Parkmore in front of the Build the Bypass sign, just as the Medtronic shift is leaving... partially blocking the road and causing a build up.

I would not be a bit surprised. FF are still FF.

zell12

Ollie Crowe says FF-led govt will build
20,000 affordable & 20,000 social houses every year for the next five years

That's 200,000 houses to be built in five years.

pure.conya

ChewyLouie wrote: »

Car abandoned today at the junction in Parkmore in front of the Build the Bypass sign, just as the Medtronic shift is leaving... partially blocking the road and causing a build up.

the sly çunts and aren't we really some dopes if we're that easy to manipulate

pure.conya

zell12 wrote: »

Ollie Crowe says FF-led govt will build
20,000 affordable & 20,000 social houses every year for the next five years

That's 200,000 houses to be built in five years.

sure isn't that just what you say coming up to elections

https://www.youtube.com/watch?v=yAS0c5AkiNg

zell12

Máirtín Ó Catháin predicts:
Éamon Ó Cuív, Noel Grealish, Catherine Connolly, a FGer & Pauline O’Reilly

Snow Garden

I've only had 2 canvassers and they were both for O'Cuiv/Crowe. FF definitely expect to be forgiven. 13 years, wow.

ClanofLams

Just saw Grealish walking in town. No medical issues today. Absolutely gutless.

shenanagans

zell12 wrote: »

Máirtín Ó Catháin predicts:
Éamon Ó Cuív, Noel Grealish, Catherine Connolly, a FGer & Pauline O’Reilly

O’Tuathail was much better than O Reilly in last night's debate. She barely made any contribution...very disappointing. But perhaps the green wave will get her over the line.

lion_bar

shenanagans wrote: »

O’Tuathail was much better than O Reilly in last night's debate. She barely made any contribution...very disappointing. But perhaps the green wave will get her over the line.

That's Finnegan's moderation. Picking who speaks and getting snappy when people mention the hospice.