Today we join Ben Gilroy outside the business Stitch ‘n’ Fix owned by Mr. Gerry Burns in Navan. After several requests for meetings and documents from Mr. Burns to the banks were apparently ignored, receivers turned up on the premises, changed the locks, and denied Mr. Burns access to his business. Luckily he decided to contact People For Economic Justice, and Ben Gilroy informed Gerry that the receiver worked as an agent, not only for the bank, but for he, Gerry, as well.
Under Irish law, a person cannot have an agent forced upon them. This is due to the fact that when someone is acting as an agent on half of a person, that person, not the agent, is responsible for everything that agent does. The receiver also has what is called an “equitable duty of care” for both parties. We’ll discuss the specific event after the video.
Ben Gilroy, Gerry Burns, Fergus Lowe and Ms Justice Mary Laffoy
So in this case the receiver refused to detail whether he had or had not seen the tri-party agreement between the bank and Mr. Burns. If the receiver has not seen such a thing, then he has absolutely no basis to act against the debtor, and perhaps more importantly, if the bank does not have this agreement, then Mr. Burns would owe the bank absolutely nothing.
Notice also how the Garda in the video states plainly “this matter appears civil”. This is a basis for many of Ben Gilroy’s meetings with An Garda Siochana. As Gerry (or indeed any debtor) has broken no laws, the Gardai have absolutely no reason to even be present. In this specific case however, Ben Gilroy had shown that the receiver was in fact trespassing. As is almost a theme across the various People For Economic Justice videos, the only laws being broken are done on the part of the bank.
Perhaps the most important point raised in this video is the issue of signed orders. The receiver turned up with a court order, which granted him the power to receive the business. This order was not signed by the judge who issued it, but was in fact signed by the registrar, in black ink. If a court order is not signed in blue ink, but the judge that issued it, it is totally invalid, and grants no power what so ever. On top of this, if the receiver does not have a copy of the mortgage deed, and a copy of the tri-party agreement, then he has not acted on his duty of care, and is illegally trespassing in your business. Do not let them take your business without these three things.
As for the actions of the judge, Ms Justice Mary Laffoy, while in the commercial court itself, we will leave any conclusions on that matter to you the reader.