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.
This week Ben outlines what happened following the viral events of Constitution Halts Sheriff. Ben was informed later on in the week that the Sheriff had returned at an undisclosed time, again with several members of An Garda Siochana in tow. They proceeded to kick down the door, ejected the family from their home, and took possession of the house. While one can see why the so-called Sheriff found this option a lot more manageable than proving why his role is not totally unlawful under the Constitution of Ireland, it does highlight further acts of gross misconduct on the part of both this man, and the Gardai that were with him at the time.
Given that this was an entirely Civil matter, An Garda Siochana had no business what so ever in being there, let alone kicking in the door. As we know, a citizen’s house is totally inviolable save as to law. As this man has broken no law, An Garda Siochana had no right to enter his property without his express permission.
As Ben mentions in this video, there is currently a constitutional challenge against these measures in courts. This is due to the fact that the registrar who writes orders to repossess homes in the circuit courts of Ireland, are almost always in fact the Sheriff who will execute this order. This is totally unlawful, as it allows the registrar to directly profit from the orders he or she writes. This is in a nutshell a lack of separation of powers.
Let me close this article by re-mentioning the feature-length documentary, spoke about at the close of the movie. Please assist in any way you can in getting this information to the people. A donate button can be found on the right hand side of every page of this websites, and every donation, no matter how big or how small gets us one step closer.
This is the original appearance of Ben Gilroy of People For Economic Justice in the national press. Ben was interviewed by The Morning Show on 15th November 2011. Watch the video attached for Ben Gilroy’s story.
Ben Gilroy’s Story
In the video Ben Gilroy details his experiences when attempting to renegotiate the debt, instead of facing the possibility of a Sheriff arriving on his doorstep to take away his family home. He was told in 2007 by his Mortgage Broker that while Start Mortgages were a little on the expensive side (€2800 a month), the broker would get him away from them and into another mortgage within six months. This never happened due to the infamous bank bailout. After a year or two of this, Ben found he was not even able to contact his Broker. After a further year, Ben simply ran out of money and was unable to continue to pay his interest only mortgage.
Over the course of the interview Ben makes it clear that he wants nothing from the state in terms of benefits etc, and simple wants to represent people in the same situation. He points that it took 8 hours to bail out these banks, and yet no one seems to be fighting to bail out the banks. He points out that he approached Start Mortgage if they would give him a smaller, more affordable loan, on a smaller house. They said no. He asked them, since their evaluator was the one that grossly overvalued the house, would they take half the hit on the negative equity. They said no.
All over the country there are families on ever road facing the same problems Ben Gilroy and the rest of People For Economic Justice. They are too proud or too ashamed to admit that they are in trouble, and most importantly, they don’t realise that in all likelihood, so are many other people in their neighbourhood.
The website mentioned in the video is no longer the name or homepage of this organization.