Debtoptions is a movement started in late 2012. It was founded on the principle that since 2008, we, real ordinary people, have watched our country come to its knees due to a gamble of the banks. The sell out of OUR resources by our politicians and the lies and ommitions about our place in the world crises. The sense of hopelessness has brought hundreds to a very dark place and with no hope in sight many have taken their lives!
Claire Cullinane decided that enough was enough, and started Debtoptions. The process is simple. Ordinary people who find themselves with massive amounts of unpayable debt, who the banks put enormous amounts of pressure on despite being directly responsible for the people’s inability to pay in the first place, individually sue the banks for €1,000,000 each.
People For Economic Justice of course thought the idea was fantastic. It is exactly what we fight for every day: people standing up for their rights, not allowing themselves to be bullied by the banks, and taking back control of their lives.
The Irish Sue The Banks, With Debtoptions
Ben Gilroy will be on hand in every single trial. Thus far over 200 people have filed a lawsuit against their mortgage lender. As soon as the lawsuit is in place, you can cease repayments until such time as the matter has been resolved in the courts. All documentation is available from Debtoptions, and they will be with you every step of the way.
Every single person who has thus far taken the decision to sue their lender has reported a huge upsurge in their personal mood, and their sense of personal empowerment. We have hubs all across the country where everyone taking a lawsuit meet up to discuss the current state of their lawsuit.
In anticipation of an upcoming section of the site, which will be entitled “Templates”, we have decided to share one trick with you a little early. The document in the image below hangs on Ben Gilroy’s front door, and is called the “Removal of Implied Right of Access”.
Implied right of access is what is known as an implicit right. An implicit right is one in which a person feels they have the right to do something, despite that right never having been directly granted to them. An example of this is your postman. Your postman has the implied right to enter onto your land, walk or drive up to your door, and insert letters into your letter box. The reason this is an implied right, is that at no point do you ever actually say to the postman “I give you the right to enter my land, and push letters through my letter box”.
Where one can run into trouble with this implied right, is that so-called licence inspectors, Sheriffs, debt collectors, and other such undesirables feel that they have the right to enter into your land, approach your door, and unsolicited engage with you. This notice politely, but firmly, informs them that you grant them no such right, and better yet, lays down compensation due for anyone who exercises this right, that you have now relieved them of.
The Document To Remove Implied Right of Access
Click the above image to enlarge it for ease of reading, or click here to download an Editable Word Document.
Seamus Sherlock, a native of Feohanagh, Co. Limerick, gained national attention two years ago when he chained himself to the railings outside the ESB headquarters, in protest of the companies refusal to accept a €50 per week payment in satisfaction of his outstanding bills. The ESB as said had rejected this offer and were planning on simply cutting off Seamus Sherlock’s electricity supply until the debt was satisfied. Seamus could not allow this as he had five kids in school, one of whom was currently sitting her leaving certificate.
This matter was eventually settled, however the situation had awoken Seamus to the problems facing an enormous percentage of Irish people in debt. One of those problems (other than the ESB bills) that Seamus also was faced with was the growing problem of Mortgage Debt.
With that he founded the group Life After Debt, and in a fashion not to dissimilar from People For Economic Justice, started to teach people that they do in fact have rights, and just because a Bank has opted to dispatch a sheriff to attempt to take your house from you… that doesn’t mean your rights have somehow gone away.
Seamus Sherlock Barricades Farm Against Sheriff
Perhaps due to Seamus Sherlock’s notoriety as a campaigner for those in debt, and perhaps just out of pure chance, a notice arrived through Seamus’ door in August informing him that the sheriff would be calling to take possession of the farm. Seamus called on his allies in groups such as the Anti-Eviction Taskforce, who immediately went about barricading the farm against the Sheriff.
As of Wednesday 13th of December 2017 the Sheriff (most likely due to the publicity) has yet to arrive to attempt to take possession of the farm. Should that day arrive, in which a Sheriff yet again attempts to execute a power that they have not had in this country since circa 1916, then we would like to officially reassure Seamus that People For Economic Justice will hit the road at first warning to go and explain to the gentleman why he is in fact not going to be taking possession of the farm, and why Seamus’ home is inviolable save in accordance with the law!