Category Repossessions

Securitisation….questions and answers please ???


Following on from my last post, I would like to poses a number of questions, I shall follow-up with another post giving my answers to those same questions but, it is your replies I am interested in… 1. If the Bank has performed a True Sale of the mortgages in a Securitisation, why then is […]

BREAKING NEWS: Newark Votes, Approves Use of Eminent Domain to Fight Foreclosures–First Domino Falls – Mandelman Matters


BREAKING NEWS: Newark Votes, Approves Use of Eminent Domain to Fight Foreclosures–First Domino Falls – Mandelman Matters.   Newark, New Jersey has become the first city in the country to officially approve a controversial plan that uses eminent domain to fight foreclosures and neighborhood blight. 

Generally Accepted Accounting Principles (GAAP) and some other interesting stuff………join the dots……


The following are transcripts from “Taking on the Banks” by Thomas Anderson Book IV Generally Accepted Accounting Principles Banks are required to adhere to Generally Accepted Accounting Principles (GAAP). GAAP follows an accounting convention that lies at the heart of the double-entry bookkeeping system called the Matching Principle. This principle works as follows: When a […]

Irish Banks….Professional Diligence & Unfair Commercial Practice……….


“On 11 May 2005 the European Council and European Parliament adopted a directive on unfair commercial practices, which was transposed into Irish law by the Consumer Protection Act 2007 (the “2007 Act”). Under the 2007 Act, a commercial practice is to be regarded as unfair if it is: (a) contrary to the requirements of professional […]

The All Powerful Consumer…YOU! ….We still hold the power…We just don’t know or care….


At the outset, I would like to pay tribute to the documentary “Ethos – Time to Un-Inslave Humanity” for the foundation of this post. Ethos can still be viewed on You Tube at the following link and I strongly recommend taking the time to watch and learn… I recently contributed a post called Why I […]

Mortgage holders ‘not fully informed of their rights’ | Irish Examiner


The Master of the High Court, Edmund Honohan, made the comments as he said mortgage holders must be prepared to fight for their rights in the courts amid any moves to alter loan arrangements. In an interview with the Irish Examiner, he addressed the sale of over 13,000 Irish Nationwide home mortgages which will be completed […]

Banks and Morality..do they exist in the same sphere?….


…or is it the case that never the twain can meet? Is high finance the be all and end all of human existence? is it possible to incorporate moral clauses into financial contracts? is there a requirement for such clauses? Who says that the term of lets say a Mortgage Contract must be set in […]

High Court ruling throws Ulster Bank debt collection into doubt …Bankers Book Evidence Act…Hearsay Rule


Please pay special attention to this issue, the Master of the High Court in Dublin has been giving directions and decisions in this area for some time, this is one of the first times a Bank has been frustrated when attempting to circumvent the decision of the Master. (Special thanks to Jerry Beades for his […]

ICS (Irish Civil Service Building Society) Securitisation…Kildare Securities Ltd…..


So I had another friend ask if ICS (Irish Civil Service Building Society) had engaged in Securitisation? Short answer – YES  (it’s always yes ‘cos they all did) This one’s for you Pat & A But lets take a closer look….. first a little history…. Bank of Ireland bought ICS in 1985, prior to that […]

“NOVEL”…A Word every Judge loves to hear…….


Judges are no different from every working stiff, they get bored with the same old, same old, in fact nothing makes them happier that a “novel” case, something to exercise their learned minds, they really just love it! So start thinking outside the box, as lay litigants we are in the enviable position of not […]

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