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Couple Ordered to Demolish House - any update?

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Comments

  • Registered Users, Registered Users 2 Posts: 19,235 ✭✭✭✭Bass Reeves


    Yes I agree the asset is unsaleable and banks look for security. However I am pointing out the fact that banks from22005-2008 especially were not as careful as they should have been when lending and did not have processes in place to check and verify the security that should have been in place.

    There was multiple cases of what I posted happened where banks failed to have proper security for mortgages in place

    Slava Ukrainii



  • Registered Users, Registered Users 2 Posts: 6,632 ✭✭✭Shoog


    No, simply no.

    Basic due diligence of a bank was to ensure the asset had the value it was claimed to have and none approved new builds have always been subjected to significantly more scrutiny than second hand houses because of the intrinsically higher risks involved. They are harder to get in every aspect so the chances that this particular property was build using a mortgage on this property are zero.



  • Registered Users, Registered Users 2 Posts: 19,235 ✭✭✭✭Bass Reeves


    Sorry you are incorrect. There was multiple cases where houses where banks did not have proper security on new properties. There was many of them on BidX. There was multiple places where it happened.

    Slava Ukrainii



  • Registered Users, Registered Users 2 Posts: 6,632 ✭✭✭Shoog


    Show some evidence for properties which were built with mortgage finance and no prior PP. Sorry but I am unwilling to take your word for it.



  • Registered Users, Registered Users 2 Posts: 2,583 ✭✭✭ForestFire


    The relevance of the mortgage is directly related to the couples claim of hard times on them, and yes at first glance may seem like a moot point.

    As this house was built off the books (I think we can agree that's a fact), is is likely (not verified) there is no mortgage. But the main point goes beyond this.

    It is also likely as a plumber, building off the books, it was done as part of a group of builders in different areas (bricky, Sparky, plasterer, carpenter etc.) all supporting each other. Is this a fact no, is it a problem if it was done like this, No, I have no problem with builders helping each other, in their spare time, if that's what they want to do.

    Its also worth remembering that the average size house in Ireland is 220m2 and this was build is over 500m2.

    So it's not a reasonable sized house by any means, and they probably avoided paying huge amounts of interest, due to low build costs, and low if any interest payments on any loans, like the rest of us.

    They also intentionally and willingly bloke the law in doing all this.

    So my main point, however they funded the house, is claiming hard times doesn't cut it for me, we've all had hard times, but have had to struggle through with it and get on with it.

    If you rob a bank, you can't suddenly claim hard times as some sort of get out clause not to be responsible for your illegal actions.



  • Registered Users, Registered Users 2 Posts: 8,576 ✭✭✭Rows Grower


    Fella's speculating and arguing about a mortgage without even knowing what a mortgage is and one fella even doubling down to say that he sold mortgages for a major bank. Lol.



  • Registered Users, Registered Users 2 Posts: 6,632 ✭✭✭Shoog


    We all know what mortgage is - a loan with an asset with collateral as surety.



  • Registered Users, Registered Users 2 Posts: 526 ✭✭✭ledwithhedwith




  • Posts: 0 [Deleted User]


    You know this for a fact? How.

    Just to be clear, both Nationwide and Anglo were handing out loans at the time for property, with less than rigorous due diligence, to both property speculators and builders. So I’m not sure how you can be factual sure about how it was paid for, or why that is even relevant.



  • Registered Users, Registered Users 2 Posts: 8,576 ✭✭✭Rows Grower


    You claimed to have put me on ignore at 11.46pm last night.

    You're a bluffer sunshine, off with you.



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  • Registered Users, Registered Users 2 Posts: 3,831 ✭✭✭Beta Ray Bill


    It's clear that this story (and indeed other stories) show all the problems ABP has.

    ABP has made a fool of itself and shown to everyone that it and the council have no meaningful power. Structure is neatly 20 years old. I'm sure there are rules that if a structure is standing X amount of years without planning that it's automatically granted retention.

    There's a stack of people before the courts in Dublin over renovations/extensions that were completed without planning permission. Courts are saying put it back the way it was, but nothing ever happens. The courts grant permission for the council to put things back the way they were but they don't have staff to do that, and any subcontractor would be mad to take on a job like that.

    ABP's inability to change to a rules based system and inherent corruption in the organization is core contributing factor to the mess we currently have in the construction sector.



  • Registered Users, Registered Users 2 Posts: 526 ✭✭✭ledwithhedwith




  • Registered Users Posts: 138 ✭✭byrne249


    They might have brought a few of them with them when they relocated from Galway to RathCairn, only a short hop skip for the slugs across to Bohermeen



  • Registered Users, Registered Users 2 Posts: 19,235 ✭✭✭✭Bass Reeves


    There is a certain time factor, however the LA started enforcement proceedings within that time frame and that nullifies the ability to retain the structure.

    By the way you do not automatically get retention. What happens is the LA cannot force you to demolish. However if you applied planning for anything else on the site they would force you to apply for retention. It tends to be more of an issue for commercial than housing.

    Slava Ukrainii



  • Registered Users, Registered Users 2 Posts: 246 ✭✭danfrancisco83


    Because of a permissions/privileges error on Boards, I can't see any posts from more than a few pages back, so just asking again, what is the current status here? Is the ball in the Council's court, do they have to push for demolition, or are we waiting for another appeal? TIA



  • Registered Users, Registered Users 2 Posts: 3,630 ✭✭✭dubrov


    The current status is that the council don't really want to take on the enforcement of the court order to demolish because that is hard and runs the risk of priests. So they are working as slow as possible hoping the problem will go away.

    Meanwhile the Murrays are playing the legal lottery throwing in appeal after appeal hoping something might stick.

    Eventually some BS reason will be found allowing the Murrays to keep the house with maybe a small fine.

    Then everyone can blissfully move on with their lives as if nothing happened



  • Registered Users, Registered Users 2 Posts: 3,966 ✭✭✭chooseusername


    "Eventually some BS reason will be found allowing the Murrays to keep the house with maybe a small fine."

    That would be a dangerous precedent to set, I can't see it happening somehow.



  • Registered Users, Registered Users 2 Posts: 7,412 ✭✭✭bladespin


    Pretty much this, the whole planning system would hinge on the outcome of this, it's very dodgy ground.

    MasteryDarts Ireland - Master your game!



  • Registered Users, Registered Users 2 Posts: 7,853 ✭✭✭Gusser09


    It has already happened? No?

    This will drag through the courts for the next decade and no action will be taken.



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  • Registered Users, Registered Users 2 Posts: 8,570 ✭✭✭Tow


    That is the reality of planning enforcement. I was watching my local Coco meeting live stream. A company had basically roofed over a yard with out PP and totally ignored an enforcement order to remove the roof. The Councillors were outraged over this, the officials were more pragmatic. Telling the councillors all they could do was go to the courts to try get court other, this would take years and cost a lot and in the end of the day not achieve much.

    I have had dealings with the company in question for years, this is how they operate. I must check, but I fully expect the roof is still there.

    When is the money (including lost growth) Michael Noonan took in the Pension Levy going to be paid back?



  • Registered Users, Registered Users 2 Posts: 19,235 ✭✭✭✭Bass Reeves




  • Registered Users, Registered Users 2 Posts: 7,853 ✭✭✭Gusser09


    Thats not the as whats going on here. That couple demolished it themselves. We know that the murrays wont do that.



  • Registered Users, Registered Users 2 Posts: 19,235 ✭✭✭✭Bass Reeves


    AFAIK it had financial implications if they did not. The same will happen with the Murrays at some stage the finiancial implications of a forced demolition will force them to demolish. That case took 4-5 years to get to that stage and councillors had options to overturn the refusal but it had implications if they did

    Slava Ukrainii



  • Registered Users, Registered Users 2 Posts: 3,630 ✭✭✭dubrov


    If by financial implications, you are referring to fines, they'll just ignore that too.



  • Registered Users, Registered Users 2 Posts: 7,853 ✭✭✭Gusser09


    The Murrays case is going on a lot longer. It seems like they have all of the power here and the Council is toothless when it comes to enforcement of any type.



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