David Hall

David Hall

State supports banks’ spin on troubled loans

State supports banks’ spin on troubled loans

Data from Ulster Bank’s sale of mortgages to Cerberus shows the majority of those in long-term arrears are not non-engagers or uncooperative. They simply can’t pay

Vulture funds debate: Let’s shoo them away before we get picked clean

Vulture funds debate: Let’s shoo them away before we get picked clean

The code of conduct is a busted flush. It regulates conduct in terms of how banks engage with customers. It does not offer any solutions, nor are lenders required to offer any solutions

How iCare Housing can help

How iCare Housing can help

Last week, we agreed specific terms with Permanent TSB for customers in mortgage arrears who are eligible for mortgage to rent

Facing Farmageddon at the hands of vultures

Facing Farmageddon at the hands of vultures

Banks currently control much of Ireland’s farm-related debt, but, as with residential mortgages, many of these loans may be sold on to vulture funds, with disastrous consequences for rural families and communities

Individuals and families must be allowed to move on from debt

Individuals and families must be allowed to move on from debt

Shatter’s Personal Insolvency Act was a start, but several important changes will speed this essential process

Comment: How the new mortgage to rent scheme will work

Comment: How the new mortgage to rent scheme will work

Those who cannot pay their mortgages finally have a credible plan to restart their lives

Beyond PTSB: The greatest consumer financial rip-off ever

Beyond PTSB: The greatest consumer financial rip-off ever

Comment The tracker mortgage debacle has shattered customer trust in all banks, not just PTSB

David Hall: 10 steps for dealing with debt

David Hall: 10 steps for dealing with debt

There are strategies that can help individuals deal with debt, and solutions do exist

For the vultures, it’s just a numbers game

For the vultures, it’s just a numbers game

There are basics you need to know when dealing with a vulture fund, writes David Hall

Here is a way to keep people in their homes

Here is a way to keep people in their homes

There is a way to prevent unnecessary repossessions

How do we stop banks from taking homes?

How do we stop banks from taking homes?

We all know the history of how tens of thousands of people got into trouble with the loss of work, reduced hours, negative equity and personal debt. Politicians advised that despite a slow start there were tools now deployed to tackle this issue and

Insolvency overhaul doesn’t go far enough

Insolvency overhaul doesn’t go far enough

Despite recent changes to bankruptcy and personal insolvency procedures, more must be done as soon as possible

Doing the splits can lessen mortgage burden

Doing the splits can lessen mortgage burden

Split mortgages represent a viable solution for those who are struggling under the weight of their debt, writes David Hall.

Debt for equity is the way forward

Debt for equity is the way forward

As a way out of the mortgage crisis, the practice of allowing homeowners to swap debt for equity demands serious consideration by the authorities, writes David Hall.

Wanted: tailor-made help for homeowners

Wanted: tailor-made help for homeowners

While Mabs is doing what it can to help mortgage holders in trouble, it is not capable of dealing with the scale of the crisis we are facing, writes David Hall.