2016 cannot come soon enough

@Jennifer Hislop it is already getting very close to anarchy. remember that guy who was going to self immolate on top of the van a while back

I’d say that was because he was being deported or refused social welfare payments!

@ Ciaran McCann do you have a basis for that conjecture

Get a professional evaluation. The revenues figures tend to be off the mark as, let’s face it, they’re made by people who will be able to pay this tax through obscene expenses claims.

Sorry it’s meant to be “had their”. I blame me kids nobody told me they steal sleep.

160 of them are TDs.

I wonder how many TDs are exempt for whatever reason?

Because that would make sense. We could bring the whole shower down in a week if we only realised the power we have in our own hands. A strategic public sector strike and a refusal to pay mortgages to bloodsucking banks would bring Them to their knees. Marching is for the birds.

The banks weren’t bloodsuckers when you were looking for a mortgage or any sort of loan.

@ Maria, yes they were. The Banks are always bloodsuckers. The banks hyped up the property market and created the housing bubble by their astonishingly greedy bonus driven lending practices. The Banks did not even apply fractional reserving. The Banks continue to suck us dry. The only slight mitigation is the the Central Bank of Ireland failed atrociously to rein back the crazy lending. Read the terms of a mortgage document and you will see what true blood sucking is.

Actually, one bank drove greedy lending practices. The rest of them were trying to keep up. Anyway, people took the mortgages (no one forced the money on anyone!) and the frenzy was perpetuated by auctioneers and buyers. If you aren’t happy with t&c of the mortgage, why would you take it out?

@ Maria Beaton, I disagree. The rotten apple hypothesis has been disproven by two independent reports on the bank sector and is not accepted by the Governor Honohan of the Central Bank of Ireland. Each and all of the Irish banks were reckless and greedy to a varying degree. Each and all of the Irish banks, now the covered institutions, wilfully disobeyed the prudential requirements of the Central Bank of Ireland, which then turned a blind eye.

Property professionals and the media added further fuel to the flames but the primary miscreants were the Banks ably abetted by the Central Bank of Ireland.

The borrowers / buyers. May have been naive to accept the orthodox advice of politicians, experts, banks, manipulated queues and marketing stunts but you seek to blame the victims. Your occupation or former occupation are self evident.

The mortgage deed was foisted on borrowers and you could not negotiate its draconian terms.

Fortunately, the Court of Justice of the European Union on the Mohamed Aziz case against CaixaCatalunya has ruled on the application of unfair terms in consumer contracts to mortgage deeds. This was on the 14th March. This opens up an entirely new layer of challenge to mortgage debt enforcement.

The Banks perpetrated a Ponzi Scheme. The Ponzi scheme collapsed leaving a vast number of victims. Blaming and victimising the victims is perversely wrong and warped.

Yes they wer Maria my mortgage provider tried to pressure me into taking out a loan almost twice what I needed. The same happened to many colleagues who used this company. I was very young but thank god managed to refuse although many didn’t. They were on commission and tried to make more money by getting young people more in debt.

You must work in a bank to have such a high opinion of them. Only someone with a vested interest would have the brass neck to deny they have destroyed this country.

I do not work for the bank. I just think people need to stop finding scapegoats and accept their part. Anyone who says they “managed to refuse a loan” makes me picture them lying trussed on the floor with the bank managers knee on their throat. Seriously, get a grip.

@ Maria Beaton, you did not engage with any of my points, you just restated your position more stridently. I suspect that you don’t have the capacity to reason, merely to declaim against the victims. The victims were suckered by a totally dishonest Ponzi scheme. Blaming the victims will not provide a solution.

I have no problem paying my mortgage. But I do have a problem paying extra taxes to bailout their dysfunctional business model. They shouldn’t even exist any more. They should be grovelling at our feet in thanks but no. They still treat us like sh1t.

I have no intention of continuing this conversation if you have to resort to personal insults. I can reason perfectly well, thank you. I simply choose my battles.

@ Maria, do a little pout while you are at it.

There was no money ! Your signature generated a debt and you ” agreed “a payment schedule .

@maria i think your missing the point , many many many people did borrow excessively , but where keeping up all repayments as agreed ,
But it was the developers that borrowed billions and billions and billions and brazingly never paid back a penny …………thus leading to the collapse of yhe economy , thus leading to 1,000′s losing their jobs suffering huhe paycuts , hours cut , as a result cannot now meet the payment of all the bills ,
Yet its the people who are suffering while the developers/gamblers still without making any effort to pay off their debt….continue to live the high life …………….DOES THAT SOUND FAIR?

hugh will you pay mine for me ,
seeing as your happy to pay up for someone else,s debts

Maria, Do you accept that some people went to the bank and borrowed money for a modest family home that was within their means to repay, but due to the greed and recklessness of the banks, the economy tanked and which lead to job losses/loss of earnings? Do you accept that the average person/family has paid the price for this collapse more than any other party involved? Do you believe that the average person/family deserves to lose their home on top of all this because they willing signed up for a loan? Is it enough for you that you didn’t sign up for a mortgage that you are happy for your neighbours to be on the street/in social housing/emigrate? Are you happy with all this? If so, stay on your high horse.

Those muppets on the dail are probably on a 1000€ a week.

Here in the Netherlands you can expect to pay up to €5,000 in property taxes. The difference is here you pay that directly to your local town hall. You vote in local elections to select the mayor and his staff every 2 or so years and your property tax goes directly into the maintenance of local infrastructure and services. You can trace where it goes and have a direct say in who spends it.

In comparison the Irish one uses a vague guesstimating system to tell you how much you need to pay, then it is taken by Revenue (invading your private bank account without permission if needed) and put into the national pot where it could go literally anywhere. Anyone who says this is for local services needs to look at how it’s being done in Ireland and abroad and realise just how deluded they are.

Jason
You’re wrong. Eighty percent of the residential property tax will go to the Local Authority in the area it is collected.I’m all in favour of locally directed spend but the real advantage of this tax lies within the larger town and cities where there will be much more collected due to the density of housing. By comparison us country cousins will get little.

@ Peter Daly, the supposed 80% per cent already being funded by income tax and other taxes and thereby released for other purposes.

On the 80 % per cent, that is a political promise. Please check the provisions of the Finance (Local Property Tax) Act, 2013, Act no 52 of 2013.

Sorry what exactly is this tax for again? I pay estate fee’s for upkeep and street lightening, I pay tax for roads, I will be paying for water next year, I pay my own bins. I pay for parking when I go into town, I also pay taxes such as prsi, levies etc, Is this tax to give council workers a pay rise while everyone else gets cut? Or to keep freeloaders in social housing so they can pop out more kids? What is this for?????

See Jason i agree with you a 100% and realise that our system is a scam and a utter failure. But when we have people like Peter daily among the general population we will continue down this path to destroying life in Ireland and becoming a failed state.

So how much do you ask for the house…?

Then tell them that. Easy.

@ Ciaran D I will. I just find it devious to enter on official documentation such false information, trying to dupe the public.

Green. The greatest robbery in history took place in September 2008, and will never be surpassed. It’s only a matter of time before the movie is made!

Its all the same heist

Sorry lads its well documented that the greatest robbery of the Irish people happened in Paris during a World Cup qualifier.

When it’s put in those terms it’s truely frightening. Taking it in with one hand and giving it out with the other. Anyone remember what disposable income looks like?

Would you prefer 100k worth of further cuts to essential services?

@snooch the point is that if the money we’re paying was being directed correctly there would be no need for further cuts or further taxes. Problem is our seemingly intelligent “leaders” couldn’t organise a p*ss up in a brewery.

Well said”le badger”we should probably be lodging the money straight to an account in Germany so it doesn’t bother our government too much ,it’s becoming harder and harder to live here now and my kids have just inherited another tax for their future,

red thumb my all you like trolls I don’t care anymore

Disposable what?

No dont have any, so where do find more to pay this bond tax?

If the majority don’t pay they won’t inherit it, this tax will live only as long as this government, you see ….

@snooch. I would prefer 100k in cuts to politicians pensions. Or you could easily save 100k in the hse by buying our drugs from the nhs in England instead of paying a ferocious amount more directly to the drug companies, or even a 1 cent tax on every lotto ticket would readily raise that kind of money.

I contacted revenue to query what properties are exempt, the PDF on their website says that certain unfinished housing estates or “ghost estates” may be exempt, but to check revenue.ie for more info. Absolutely no info on their site about this and when I rang them, they didn’t know themselves what areas are exempt. A complete joke. Their advise was to “just pay it and sure if I’m exempt, I should get it back”

Not sure what went wrong with the link I put up..
YouTube search “Irish Oil vs Norwegian Oil”
We should not be in any of this debt

I agree with this 100%

Totally agree with you.

€750m

@ William Lankstead, well and truly said. Thank you for expressing the truth and the reality.

I no longer am able to live in Ireland due to the work situ but am stuck with a place that I bought during the boom that I can never afford to sell. I was unexperienced and I thought that I was doing the sensible thing, how naive was I. Every month the mortgage/taxes/maintenance suck up every spare penny I earn. Discretionary spending including health insurance and pensions are no longer an option.It’s like having a drug addiction without the benefit of being high. I think I am going to have to part with a kidney in order to pay the next round of taxes/interest rate increases.

I really hope that’s sarcastic.

This could be similar to the household charge.
> “You won’t get a bill because the charge is a Statute. People need to
> understand this: A Statute is a “legislated rule of society given the
> force of law by the consent of the governed.”(Black’s Law Dictionary
> 4th edition). Who are those it governs? Us, the public.
> This household charge is a Statute, otherwise known as an Act of
> Government and only carries the force of law upon you if you consent
> to it which means that you are legally obliged to pay if you consent
> or in other words go on to householdcharge.ie and register. Your
> silence and inaction will also give the appearance of no consent. If
> you do not consent, a Statute cannot affect you in any way whatsoever.
>
> The courts know this and the last thing they will do is tell you. In
> fact they will hide this from you at every opportunity they can. On
> the other hand, if you tell them, they will accept it because they
> know it is actually true. According to the above definitions a
> statutory instrument is a contract. If you register for this “charge”
> you are consenting to this statute ie: signing the contract. This is
> why the Government are ASKING the people to register and not just
> billing

DMC that’s idiotic. Cheers for the legal advise but I’ll pass.

I’m sure you were a good boy and paid:) Enda will give you a gold star for effort

You have got to be kidding! I looked at the map which was useless. I live in DLR and it appears to have different areas of price and the map could not be enlarged to see road names to see which area I came into.

I called the help line and it was useless and all she did was refer me to a website off my home.ie which suggests you calculate the value of your home from other houses sold AND houses for sale in your road. The other option is to get a valuation from an estate agent.

There is no other house like mine on the road or in my area as far as I can see and houses in my road rarely come on the market. But why should I have to depend on private companies to tell the me what I have to pay the government?

Perhaps an easier method would be for insurance companies to collect a percentage of the insurance cost of a property and send that to the gov.?

DLR CC who have about 25 councelors are looking to increase this to 41! Why?

Is this how the government are trying to help people who are trying to pay a mortgage?

Very annoyed.

DMC have we really gone from a nation that castigated tax dodgers to one that castigates tax payers? Shameful.

Missing the point and my apologies for the swipe but this tax was brought about because of private debt. Thats why Im fuming over this tax. We’re paying off reckless banking

Another legal genius dishes out bogus advice. The Road Traffic Act is a statute. Do you have to consent to it to be bound by it?

@ Alan Doyle, gullible, misdirected and silly remarks. You miss the point. The privileged and powerful rely on the subservience of that mind set.

Where was the financial regulator during the times when tax payers were getting mortgages of 110% of what they needed ? Think about it, try going for a loan tomorrow for €500,000 and see what steps/hoops you have to go through, only for the banks to say”Sorry, NO!!” Now, why weren’t they that strict in the early ’00′s?

@ Ciaran McCann, exactly! The reckless lending policies drove property prices up through the roof, if you will pardon the expression. Now the banks are so timid that getting a loan is a major hurdle. Had past lending policies been as strict market values would not have hyper inflated.

What a foolish statement to make!
People will always spend their ‘money on crap’ . The fact that some, and only some have to get a loan out to have a few pints on friday means that the banks didnt knowingly misguide the public into expensive house loans?
Maybe they should all live in monastries with an austere life.

Keep smoking the turf…. Who says there wasn’t a ‘brain drain’ out of ireland….

@ Anti Social, you suffer from considerable confusion. You are missing the thrust of the discussion.

@ Hugh Corrigan, you go first.

Your a good slave

the penal laws were laws too the Nuremberg laws were laws too. look how they turned out

The law man is in town…