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File image of an XL bully dog. Alamy Stock Photo

XL bully dogs to be banned in Ireland under new measures announced today

After 1 February, any owner not compliant with the new regulations will have their dog seized and euthanized.

LAST UPDATE | 12 Jul 2024

THE GOVERNMENT HAS announced a ban on XL Bully dogs.

The ban will be implemented in two phases, the first of which will take effect in October, and then in February of next year.

From October, it will be illegal to breed, import, sell, or rehome the controversial breed.

It means there can be no new owners of XL Bully dogs from October. 

Then from 1 February 2025, it will be illegal to own an XL Bully unless the owner has a Certificate of Exemption, which ensures that a dog has a licence and is microchipped and is neutered.

After this date, any owner not compliant with the new regulations will have their dog seized and euthanized.

The move follows a number of incidents involving attacks by XL Bully dogs, including the death of Nicola Morey by her own XL Bully in Limerick last month.

Announcing the measures, Minister for Rural and Community Development Heather Humphreys said the ban is “in the interest of public safety following a number of recent horrific attacks by XL Bullies, which included the death of Nicole Morey”.

Humphreys added that the new regulations will ensure that from October, “nobody in Ireland can take ownership of these dangerous dogs and that it will be illegal to breed, sell, import, rehome, exchange, gift or abandon XL Bully dogs”.

She also noted that over the period from October to February 2025 when the second part of the legislation comes into place, all existing XL Bully owners will have to apply for a Certificate of Exemption.

Certificates of Exemption are issued subject to strict criteria, including a requirement for licensing, microchipping and neutering.

Other possible criteria for owning an XL Bully will be discussed with the Stakeholder Group on Dog Control, which was established to advise on these issues.

Humphreys added that her Department will work with the relevant agencies to “ensure effective enforcement of these regulations”.

While Humphreys acknowledged that “a lot of people will not agree with this decision”, she said “we must be mindful that no dog’s life is worth more than human life”.

“Ultimately that is what guided me in making this decision,” said Humphreys.

She noted that the XL Bully was responsible for the attack on Alejandro Mizsan in Wexford in 2022 and was the breed which killed Nicole Morey in Limerick last month.

“If we do not take action now, the number of these dogs in the country will grow and my fear is that these attacks will become more frequent,” said Humphreys.

She also said it is her “strong view that Ireland should not be out of step with neighbouring jurisdictions in Northern Ireland and the UK on this matter”.

The Dublin Society for the Prevention of Cruelty to Animals (DSPCA) said that it understands that the minister had a difficult decision to make, and it will wait to see how the ban will work “in practical terms”. 

“As a charity our fears are that people will panic and abandon their pets or look at already full rescue centres to rehome them,” it said. 

In March, Humphreys named former Garda Deputy Commissioner John Twomey as the head of a new stakeholder group on dog control.

The group was tasked with examining the restriction of certain breeds of dogs, in line with actions being taken by regions in the UK, including Northern Ireland.

In the North, the first of new laws around XL Bully dogs came into force last week.

The laws in the North are very similar to the ones which will be implemented in the Republic.

Much like the Republic, Northern Ireland is introducing these rules over two phases, and the second phase in the North will come into place on 31 December, when it will become illegal to own an XL Bully without an Exemption Certificate.

XL bullies are already included in the “restricted breed of dog” list in Ireland, but there are currently no bans in place.

Such restrictions mean that while in public, these dogs must be kept on a short lead, muzzled, and wear a collar with the name and address of their owner.

They also must be with someone who is both over 16 and able to control them.

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188 Comments
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    Mute Nick Allen
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    Nov 28th 2017, 9:52 AM

    I am sure it will be argued that the money could have been better spent on other initiatives but from a financial perspective this is really positive news

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    Mute Andy K
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    Nov 28th 2017, 10:11 AM

    @Joe Bloggs: Its our countries debt. So our banks, builders and investors. We had to bail them out or our country would have reversed 3 decades of development.

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    Mute Nick Allen
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    Nov 28th 2017, 10:11 AM

    @Joe Bloggs:

    Maybe its time for you to deal with the reality of the current situation and stop living in the past.

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    Mute Living The Laws
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    Nov 28th 2017, 10:15 AM

    @Andy K: no we didn’t have to bail them out. we didn’t want to bail them out. FG and Noonan and others forced it through more than anything. there were many times when we could’ve not paid but our elected representatives decided to ignore their election pledges and just survive long enough for a decent pension or cushy number.

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    Mute Nick Allen
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    Nov 28th 2017, 10:23 AM

    @Living The Laws:

    The elected representatives had already survived long enough to get a cushy pension so not really an argument as to why they made the decisions they made. Believe it or not, on top of the many and significant disadvantages of the bail out there are also many advantages too.

    27
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    Mute Living The Laws
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    Nov 28th 2017, 10:31 AM

    @Nick Allen: lol

    advantages that outweigh the damage to people’s health and savings and pensions?

    or maybe you have other types of advantages in mind such as every employee in the banking sector getting away with the sort of negligence that the rest of us would go to jail for.

    the comment on pensions was throwaway.

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    Mute Ian Walsh
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    Nov 28th 2017, 10:34 AM

    @Andy K: Wake up Andy…. Jesus fkin Christ you’re either incredibly naive or completely stupid.

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    Mute Matthew O'Kane
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    Nov 28th 2017, 10:37 AM

    @Nick Allen: so paying back the top 1% partying bad debts of 2010 is a good thing? and next year when the next crash happens we can bail them out all over again and shrink and privatise more of our public services and infrastructure Sell off retire all the HSE Gardai and emergency services its great to be a neo liberal, 5.5 billion that wont be going into our public services and economy

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    Mute Nick Allen
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    Nov 28th 2017, 10:39 AM

    @Living The Laws:

    If we had not bailed out the banks:
    1. our credit rating would have tanked.
    2. Cost of borrowing (if at all possible) would have sky rocketed
    3. Ireland did not have the liquidity for operational cash flow therefore couldn’t pay all civil service wages or health and education costs etc. Severe cutback would have had to be made
    4. People would have lost their savings / deposits in the banks
    5. Businesses would have lost confidence and invested elsewhere
    6. Pension funds which are managed by Irish banks and insurance companies would have taken an even bigger hit
    7. Recession and employment levels would more than likely have been much greater than we experienced.

    Yes the bailout is hard to stomach but people arguing that there was not financial benefits to it and that it was only done by politicians to secure their personal pensions is simply demonstrating that they have no idea as to the complexity nor the implications of the bail out decision.

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    Mute Nick Allen
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    Nov 28th 2017, 10:46 AM

    @Matthew O’Kane:

    You and many others need to look beyond the fact that we bailout the bank and to enable them to honour their bondholder debt. The more important aspect is what were the implications if we did not bailout the banks. As we can’t go back in time and change our decision we will never know for sure which was the correct decision but that doesn’t mean you can ignore the likely scenarios if the government did not bailout the banks. Its BS to say all would be rosy and we would be a about 100Bn better off.

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    Mute Living The Laws
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    Nov 28th 2017, 10:49 AM

    @Nick Allen:

    1. our credit rating would have tanked.
    - it did tank as did the personal credit rating of a massive percentage of the people. the stress levels that Irish people had to take on were terrible.

    2. Cost of borrowing (if at all possible) would have sky rocketed
    – whats your point? National borrowing or individual borrowings? The impact on the people would be individual whereby the banks stopped lending (thats no borrowing) and drive people to use their remaining resources and massive amounts of people and businesses and pensions got wiped out anyway.

    3. Ireland did not have the liquidity for operational cash flow therefore couldn’t pay all civil service wages or health and education costs etc. Severe cutback would have had to be made
    – that would’ve been a positive for a short period of pain given how ineffective most of those services. It is the public sector workers that kept these goons in power for so long because of the sweet native of the deals they were given when self employed and SMEs were decimated. The only people I know that came through this more or less unscathed are the people who don’t generate any business in this country anyway. and do little to help business prosper.

    4. People would have lost their savings / deposits in the banks
    -they did. massively.

    5. Businesses would have lost confidence and invested elsewhere
    - with our corporate tax rate. get a drip. they were never going anywhere.

    6. Pension funds which are managed by Irish banks and insurance companies would have taken an even bigger hit
    - couldn’t take much bigger than being wiped out totally. whats you point?

    7. Recession and employment levels would more than likely have been much greater than we experienced.
    - couldn’t have been much worse in the private and self employed sector. only civil servants avoided the total loss.

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    Mute Michael Geraghty
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    Nov 28th 2017, 10:52 AM

    @Nick Allen: very well articulated. Great points.

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    Mute Gulliver Foyle
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    Nov 28th 2017, 11:01 AM

    @Michael Geraghty: not really, mostly hypothetical and didn’t address the fact that our banks that if money could have easily gone under while protecting the savings of the personal banks. The knock on effect would have been ECB liquidity. We took these loans to protect the ECB from having to face up to its corporate banks being over stretched beyond their own rules and private EU banks in Germany, Italy and other countries having to cover their own costs in loaning to Mickey mouse banks based in the ifsc. To be clear, we have got absolutely nothing from these loans that have ruined our country apart from a part on the back.

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    Mute Nick Allen
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    Nov 28th 2017, 11:06 AM

    @Living The Laws:

    Our credit rating would have been far worse if we had defaulted and our cost of borrowing would have been much higher. It would also have been difficult to borrow money. Although you may think it would be a good thing to have very severe cut backs in public spending and civil service I personally disagree but nothing wrong with a difference in opinion, People did NOT lose their saving or deposits in banks, they were honoured by that government albeit people lost money on investments. insurance company and bank pension funds were not wiped out, you are just making stuff up with that. And yes the unemployment levels could have been higher.

    I get you are against the bailout but trying to deny any its benefits is just stupid.

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    Mute Nick Allen
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    Nov 28th 2017, 11:42 AM

    @Gulliver Foyle:

    How would not bailing out our banks impact ECB liquidity. They could easily cover the 85Bn without having a material impact on their liquidity.

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    Mute P.J. Nolan
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    Nov 28th 2017, 11:42 AM

    @Living The Laws:
    We should have printed more money…..

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    Mute Darren Norris
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    Nov 28th 2017, 11:45 AM

    @Nick Allen: Well said Nick. I dont have the strength anymore to argue these old points

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    Mute Living The Laws
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    Nov 28th 2017, 11:53 AM

    @Nick Allen: i am not denying the benefits. there were apparent as soon as we signed up. But I do not accept that the benefits were for everyone. the irish people lost massively, many wiped out entirely, including forced into situations where their only apparent choice was to end their own lives, and many will carry the scars forever.

    meanwhile, the anonymous bondholders, the big ones and little ones, lost nothing. they entrusted their money to the irish banking system and when their bet failed, the good old citizens through their elected politicians of Ireland said “don’t worry about it, we know you lost but we’ll look after you”.

    feels like the treatment of Apple is just a continuation of this. These politicians have a lot to answer for and that is clearly why they don’t want an election, and clearly why apologists like you are wheeled out to disgustingly and insultingly generalise that there are benefits in the bailout for the Irish people when they really should never have needed one if government and civic servants had done their job properly.

    the bigger issue for farmer gael is that it is clear they could’ve done more to help the Irish people in a post bail out world. But they were so busy looking after their mates that they forgot who put them in office in the first place. I hope the whole lot get run out of town. not that they are any better than whats left, but at least it will a fewer number of gobdaws pretending to know how to govern.

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    Mute Jas
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    Nov 28th 2017, 12:03 PM

    @Living The Laws: you don’t know ANY civil servants if you think they weren’t hit hard by the crisis

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    Mute Danny Rafferty
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    Nov 28th 2017, 12:20 PM

    @Joe Bloggs: Not a debt of the Irish people no, but certainly an Irish banking debt. The inclusion of Anglo in the bail out should not be forgotten, least of all by those who persistently vote FF.

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    Mute Danny Rafferty
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    Nov 28th 2017, 12:21 PM

    @Living The Laws: I’ll think you’ll find FF were in power when our ankles were chained to that particular financial breeze block.

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    Mute Danny Rafferty
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    Nov 28th 2017, 12:23 PM

    @Ian Walsh: Can we have FACTS backing your opinion please? Otherwise you yourself might sound incredibly naive.

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    Mute Danny Rafferty
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    Nov 28th 2017, 12:26 PM

    @Living The Laws: I don’t find your answers very convincing, but you’re arguing an academic point now anyway.

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    Mute Max Krzyzanowski
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    Nov 28th 2017, 12:30 PM

    @Nick Allen:
    I’ve a one word response to that: Iceland.

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    Mute lavbeer
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    Nov 28th 2017, 12:37 PM

    @Danny Rafferty: we haven’t borrowed most of the Anglo money yet. About 18 billion to be added as yet

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    Mute Nick Allen
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    Nov 28th 2017, 12:40 PM

    @P.J. Nolan:

    You would miss Wally

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    Mute Nick Allen
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    Nov 28th 2017, 12:52 PM

    @Living The Laws:

    @Living The Laws:

    At the start of you post you say you are not denying there were benefits from the bailout. You then proceed to say I am wheeled out to claim there are benefits of the bailout.

    Are you getting yourself a little confused?

    Then your argument switched to say we shouldn’t have had a problem if we had proper governance of our banking sector. Although I agree the impact would have been an awful lot less with proper governance we would still have had some impact from the global economic meltdown.

    It’s not quite clear what you are trying to argue other than the (very understandable) fact that you are angry that this happened and you personally feel you did not contribute to it yet you are paying off the debt. You are not the only person that feels wronged

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    Mute Gulliver Foyle
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    Nov 28th 2017, 12:56 PM

    @Nick Allen: yep, Nick – you are entirely right, the ECB could have covered the 85b easily, but it would have a knock-on effect to individual banks liquidity in the core EU countries. An easier solution would be to mitigate that risk to the core banks by loading a single, non strategic, countries national debt where regulation, and checks and balances are not present or enforced – hence Ireland became the anti-Iceland.

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    Mute Nick Allen
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    Nov 28th 2017, 1:12 PM

    @Max Krzyzanowski:

    If you understand how Iceland handled their economic collapse you would also understand that the choices they made were not available to Ireland.

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    Mute Nick Allen
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    Nov 28th 2017, 1:19 PM

    @Gulliver Foyle:

    I think a big part of the problem was that it wasn’t just Ireland. The ECB could see Portugal, Spain, Italy and Greece in the queue behind us. They couldn’t simply cover the debt from the 5 counties. None of these had the counties had the flexibility Iceland enjoyed with their currency, small population and an economy based on the export of a natural resource.

    It could be argued that Ireland was left on their own to manage the debt but equally, if you were a French or a Dutch or a Polish tax payer would you feel it fair that your tax dollar was paying off debt incurred by Irish Banks?

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    Mute Jointheclubtoo
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    Nov 28th 2017, 1:46 PM

    @Matthew O’Kane: He’s on here regularly railing against ordinary people getting anything back from the government. Last week he was telling the farmers they should have made provision for a fodder crisis, or go out of business, that for the sake of a few million. A Crisis caused by one of the worst years ever, not criminal activity
    Doesn’t realise our food supply is more important than a bunch of chancers sitting in front of a screen gambling with other people’s money and losing it.

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    Mute Jointheclubtoo
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    Nov 28th 2017, 2:05 PM

    @Nick Allen: ‘ If you were a French or Dutch or Polish tax payer would you feel it fair paying off debt incurred by Irish Banks’. Lucky but for them their representatives aren’t so craven as ours.
    You seem to think though that Irish people should be happy paying for the massive mistakes of French and German bankers. Delighted ro get a tiny discount on a bill that was never theirs.

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    Mute Gerald Kelleher
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    Nov 28th 2017, 2:07 PM

    @Nick Allen: What did I tell you Nick when a foreigner reminds an Irish citizen that they bailed out the Irish banks then they can reply that no, we bailed out theirs. Strip away all the layers and at the centre of it is that private debt became public debt and that is remarkable in any era and for any nation.

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    Mute Nick Allen
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    Nov 28th 2017, 2:20 PM

    @Jointheclubtoo:

    Funny how you manage to get he salient point wrong. I said that if farmers cannot manage the risks in their business then they should get out of the business. This is very different to your suggestion that I said they should go out of business. And I will repeat, if they do not have the skills to manage the business of farming they should not be in that business. You are also spouting rubbish about me being against the ordinary people. I am simply discussing the facts of our current situation, if they go above your head and you don’t understand them it is probably better not to comment

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    Mute Michael Lynch
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    Nov 28th 2017, 2:27 PM

    @P.J. Nolan: I should have borrowed and spent more money. Then I could have a say.

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    Mute Matthew O'Kane
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    Nov 28th 2017, 2:32 PM

    @Nick Allen: again im not answering this for your benefit but those reading this because you are smart enough to know better and write better but choose to toe the line, back in the crash merkel and her CDU where furious with Ireland fianna fail /greens when they jumped the gun and guaranteed the banks private bad debts out of the Irish pension fund it lead to the CDU having to guarantee all the dodgy greek top 1% 100s of billions in debt with german pensioners funds. Merkel handed over 500 billions to refloat the private greek european debt its why the CDUs support is collapsing..

    You think that was a model follow for the next crash, it sounds like the worst bit of leadership in europe since the decisions that lead to the rise of the nazis and world war 2. More importantly the banks are bigger than ever in ireland and europe deutsche bank practically runs germany in the CDU place leaving european savers and mortgage holders even more at the mercy of banks than ever. Irish/european banks should be broken up into the 1000s and savings banks should be set aside from vulture bubble gambling speculation investment bank running scams such as our current housing bubble.

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    Mute James Doyle
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    Nov 28th 2017, 3:37 PM

    @Andy K: We may be a bit hasty in paying back ? loans, as we might have to look for more loans when the next downturn comes, interest rates rise and the printing of fiat money out of thin air stops. We are living in a financial fools paradise. Too much Government and private debt in the system its fingers crossed time again hoping things will not go wrong in the Global economy.

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    Mute Matthew O'Kane
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    Nov 28th 2017, 5:40 PM

    @James Doyle: hehe and trumps deregulated everything in the USA I mean its trump your crossing you finger for hahaha trump tis a dark comedy when you hope a man who has gone bankrupt 6 times doesnt bankrupt the world

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    Mute Jointheclubtoo
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    Nov 28th 2017, 5:46 PM

    @Nick Allen: I’ll tell you what you miss out, the wider picture in most of what you post, as Mr Kelleher gives one instance of above. You’ve become confined by one narrow right wing theoretical view of the world.
    We do understand about the banks importance to economy. The difference we have is how it was dealt with. We are not brainwashed by the ‘there is no alternative’ propaganda.
    It is just Childish to suggest that farmers should get out of the business, not any type of reality there. The wet conditions being experienced nowadays, probably due to climate are unprecedented.

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    Mute Nick Allen
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    Nov 28th 2017, 11:49 PM

    @James Doyle:

    Absolutely agree

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    Mute Nick Allen
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    Nov 28th 2017, 11:50 PM

    @Matthew O’Kane:

    Matt, agree it is Trump and agree with your previous post too

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    Mute Kieran O'Sullivan
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    Nov 29th 2017, 9:11 AM

    @Living The Laws: You haven’t a clue. Interest rates would have been 15% plus.

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    Mute Fiona deFreyne
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    Nov 28th 2017, 9:53 AM

    No money for housing, health or education.

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    Mute Andy K
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    Nov 28th 2017, 9:54 AM

    @Fiona deFreyne: They are saving money by doing this. That means more money for houses.

    Also, it is not the government who should build houses. This is not a communist society, thank god.

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    Mute Nick Allen
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    Nov 28th 2017, 9:56 AM

    @Fiona deFreyne:

    You may find that considerable amounts of money is spent on housing, health and education today.

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    Mute iohanx
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    Nov 28th 2017, 9:57 AM

    @Fiona deFreyne: would like to see my kids and grandkids not paying for our generations recklessness

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    Mute Cathal S Byrne
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    Nov 28th 2017, 10:04 AM

    @iohanx: our generations recklessness? The people of this country did not put this debt on us. Our politicians under pressure from the EU did.

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    Mute Hardly Normal
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    Nov 28th 2017, 10:04 AM

    @Andy K: governments building houses would be more socialist than communist! I think there should be a house provided for everyone that needs one by the government on a rent to buy scheme.

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    Mute Martin Flood
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    Nov 28th 2017, 10:09 AM

    @Cathal S Byrne: What generation voted for these corrupt politicians?

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    Mute Patricia Cooney
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    Nov 28th 2017, 10:10 AM

    @Andy K: it is for none irish

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    Mute Living The Laws
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    Nov 28th 2017, 10:11 AM

    @Cathal S Byrne: thats a stretch considering where all the money we spent actually came from

    the people of this country did nothing about the burden illegally imposed on them on behalf of bondholders and debt holders……would be a more accurate

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    Mute Living The Laws
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    Nov 28th 2017, 10:11 AM

    @Nick Allen: housing? really? how so?

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    Mute Nick Allen
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    Nov 28th 2017, 10:12 AM

    @Cathal S Byrne:

    The banks created the debt and the government made a decision to honour the debt. At this stage whether that was a good or a bad decision is irrelevant.

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    Mute Nick Allen
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    Nov 28th 2017, 10:26 AM

    @Living The Laws:

    1.8 Bn has been allocated to housing expenditure in 2018.

    https://www.irishtimes.com/business/economy/budget-2018-increases-in-housing-health-and-social-welfare-1.3250578

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    Mute Thought for Food
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    Nov 28th 2017, 10:26 AM

    @Nick Allen:

    You don’t get how loans or economics work, do you?

    We owe this money. It has to be paid back. If we dump €5.5b into healthcare and social housing now, that money will not be available when it needs to be repaid. That means other services will have to take a €5.5b hit plus the €150m in interest that needs to be paid.

    By paying the €5.5b now, we have €150m more to invest in services later this year.

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    Mute Nick Allen
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    Nov 28th 2017, 10:30 AM

    @Thought for Food:

    Was that meant for me? I am arguing that it is a good thing to pay back the loan early. Where have I said contrary to that?

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    Mute Nick Allen
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    Nov 28th 2017, 10:32 AM

    @Thought for Food:
    Also, the 150m is saved over the term of the loan and not available to us to spend this year. However, by repaying our loan early we are helping our credit rating and as such we are helping to push down the cost of future borrowings

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    Mute Seaghán Corcoran
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    Nov 28th 2017, 10:35 AM

    @Andy K: “Also, it is not the government who should build houses. This is not a communist society, thank god.”

    Are you effing mad? You think a government shouldn’t provide housing for the very people whom it represents? People like you are what’s wrong with the world. FREE housing should be a top priority for governments. Homelessness shouldn’t be an issue in this day and age.

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    Mute Living The Laws
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    Nov 28th 2017, 10:35 AM

    @Nick Allen: stop being ridiculous and stop intentionally confusing and fusging things for others that might read it.

    it is 3800 housing units that wouldn’t hardly cover the actual homeless. farmer gael are a disgrace in the treatment of the everyday citizens in this country. they will get slaughtered at the polls.

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    Mute Living The Laws
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    Nov 28th 2017, 10:36 AM

    @Nick Allen: our cost of borrowings are low anyway.

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    Mute Nick Allen
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    Nov 28th 2017, 10:53 AM

    @Living The Laws:

    How am I being ridiculous? I am just quoting the amount committed in the budget for spend on housing in 2018. The point of argument is whether we are spending money on housing or not. Our ineffectiveness at delivering is a different argument and is a combination of weak government, weak councils and a screwed up building market. The homeless problem is a long broader than simply the supply of housing, it is also linked to our social welfare and immigration policies and the government are making a complete mess of trying to resolve these.

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    Mute Simon Murphy
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    Nov 28th 2017, 12:24 PM

    @Andy K: it absolutely is the government who should be building houses seeing as the free market has failed.

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    Mute Mary Murphy
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    Nov 28th 2017, 1:20 PM

    @Cathal S Byrne: Our generation was reckless….Have you looked at the % of mortgages that are not being paid. It is failed loans that created the debts for the banks which then became our debt. The debt was caused by those who did not repay the debt.

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    Mute Aidan O' Neill
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    Nov 28th 2017, 1:20 PM

    @Andy K: I’m not advocating communism but when you leave housing to the private sector alone it becomes far more about profit for developers and investors (along with brown envelopes for politicians) than about building quality, affordable housing for the average person. This is why young working couples can’t afford houses, but wealthy people own lots of properties and rent them out at extortionate prices. If the government had a rent to buy scheme (although outsource the building as I wouldn’t trust them to get it done) for working people they could turn themselves a small profit, while providing good housing for working people.

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    Mute lavbeer
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    Nov 28th 2017, 1:38 PM

    @Mary Murphy: true Mary but the banks played a big role in forcing prices upwards. Most families now need two workers and kids are being reared by young girls in crèches for a similar lifestyle to previous generation.

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    Mute Ger O'Donnell
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    Nov 28th 2017, 2:10 PM

    @Andy K:

    If you have 5.5 billion, and you give away 5.5 billion, then you have approx -5.5 billion (MINUS). So no, your not saving money, your losing it. Basic adding and subtracting.

    Its no wonder Ireland fails at being a country with the likes of you and your ilk running the place. Bitching and moaning about the perils communism. It wasn’t the CPOI who ran the gulags and filled mass graves with infants.

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    Mute Hurt Stoogie
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    Nov 28th 2017, 2:32 PM

    @Ger O’Donnell: if you have €5.5 billion and give it all away, you have zero. If you have €5.5 billion and give away €11 billion, you have -€5.5 billion. Basic maths.

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    Mute Ger O'Donnell
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    Nov 28th 2017, 2:39 PM

    @Hurt Stoogie: 5.5 billion less than we had before, is what I ment ;P.

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    Mute Dave Moran
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    Nov 28th 2017, 3:37 PM

    @Andy K: obviously, neither you or your near and dear are in need of housing…typical “I’m alright Jack f@#k you” disgusting!

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    Mute Pat Price
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    Nov 28th 2017, 8:43 PM

    @Andy K: stupid comment, were we living in a communist country when the government with very little money tackled the housing crisis in the 40s 50s 60s, houses which have well paid for themselves since, and are now assets to the councils, the government should be tackling the housing crisis on all fronts,

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    Mute Nick Allen
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    Nov 28th 2017, 11:54 PM

    @Ger O’Donnell:

    I love the innocence of your comment. If you have 5.5Bn and you give it away. Oh if the world was so simply we would all be happier

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    Mute Larry Fitzwell
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    Nov 28th 2017, 9:58 AM

    Repay your debts = why arent we spending this money on housing?
    So basically ignore debt right?
    This is what got us in this position in the first place!

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    Mute cortisola
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    Nov 28th 2017, 10:26 AM

    @Larry Fitzwell: “Repay your debts = why arent we spending this money on housing” – we pay European banks, so they have money to buy our properties and rent them to us. That’s how Germany got to be 3rd world economy and Ireland is out of second hundred.

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    Mute Seaghán Corcoran
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    Nov 28th 2017, 12:10 PM

    @winston smith: Or maybe all those single parents, people/couples on low income, people/couples with a kid/kids? All these categories we are all put into will never even be looked at by a bank for a mortgage so will be stuck paying their bolloxes out in rent. Why supply housing for people who cannot afford or qualify for a mortgage..

    Also, where are these droves you mention?

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    Mute Gareth Cooney
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    Nov 28th 2017, 12:11 PM

    @cortisola: We had thousands of houses remember, we seized the assets of all the developers in the country. What you’re forgetting is that Noonan/Nama sold them all for a song to American investors and all the land to American speculators. How clever was that?

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    Mute Franklin Roosevelt
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    Nov 28th 2017, 10:00 AM

    Woohoo! Only €195,000,000,000 to go!

    Or €43,000 of debt left per citizen.

    And to think that was only €11,000 a few years ago!

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    Mute Martin Flood
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    Nov 28th 2017, 10:11 AM

    @Franklin Roosevelt: It’s still progress. No pleasing some people.

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    Mute Franklin Roosevelt
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    Nov 28th 2017, 10:24 AM

    @Martin Flood:

    *Martin’s house burns down, leaving only his garden shed standing*

    Martin to his family: “Ah what are yous crying for, sure haven’t we still got a roof over our head!”

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    Mute Rear Admiral
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    Nov 28th 2017, 3:00 PM

    @Franklin Roosevelt:

    i think its ~ € 211 billion

    Source: https://www.nationaldebtclocks.org/debtclock/ireland

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    Mute darren
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    Nov 28th 2017, 9:52 AM

    Election looming!!

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    Mute Andy K
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    Nov 28th 2017, 9:53 AM

    @darren: Wrong article.

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    Mute Nick Allen
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    Nov 28th 2017, 9:54 AM

    @darren:

    If this was a sign of an election looming then surely the money would have been spend on other things the electorate wanted as opposed to paying back some of our loan early

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    Mute Max Krzyzanowski
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    Nov 28th 2017, 12:26 PM

    @Nick Allen: This is in truth a debt swap, not an early repayment.
    We are retiring debt to the IMF, Sweden and Denmark by borrowing on the markets at a lower rate.
    Our debt won’t decline but our interest costs will.

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    Mute Dave barrett
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    Nov 28th 2017, 10:19 AM

    Mean while people here are homeless, property renters putting people out citing major renovations in order to raise. What a lovely country this. Apparently one in four TD rents property.

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    Mute Stephen Kennedy
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    Nov 28th 2017, 9:54 AM

    Maybe this will cover the cost of sheltering the electronic voting machines You can be sure the money wont be put to good use

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    Mute Paul Linehan
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    Nov 28th 2017, 10:13 AM

    We’ve had to borrow money to strengthen our cash reserves. So it’s only replacing a debt with a cheaper debt. Good old Pascal is like the con artist doing the three cups and a coin trick. We all know the coin is there, but just can’t quite work out which cup he’s hiding it under!!!

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    Mute B9xiRspG
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    Nov 28th 2017, 10:22 AM

    @Paul Linehan: “So it’s only replacing a debt with a cheaper debt” – and this is bad how?

    That’s no different than people moving their mortgage around to get a better deal.

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    Mute Nick Allen
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    Nov 28th 2017, 10:28 AM

    @B9xiRspG:

    its not quite replacing debt with other debt. We are replaying a big lump off to be able to reduce future interest payments. Its a bit like the ordinary citizen going into the bank and paying 100k off their mortgage in a lump sum

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    Mute Paul Linehan
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    Nov 28th 2017, 10:34 AM

    @B9xiRspG: I didn’t say it was bad, but it doesn’t reduce the debt…. As for moving your mortgage around. There are many people in this country crippled by high interest rates and tied into extortionate terms and conditions which won’t allow them to switch lender. I’m sure they would welcome a facility like the one used by Pascal the magician to reduce their debt.

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    Mute B9xiRspG
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    Nov 28th 2017, 11:11 AM

    @Paul Linehan: High interest rates? We have some of the lowest that we ever had. I’m old enough to remember when it was in double digits.

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    Mute Paul Linehan
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    Nov 28th 2017, 11:49 AM

    @B9xiRspG: Good man yourself Jim. But for the record, I too paid double digit interest rates…. But the reality is, by todays standards we have one of the highest interest rates in Europe, while having a huge percentage of ownership of our banks. We also have had banks pulling strokes on it’s mortgage customers, which resulted in terrible distress and sometimes worse outcomes for them and their loved ones. And instead of helping these people and making good use of our resources. We have politicians playing mind games with the soon to be electorate by trying to convince us that they’re on top of the crisis…. They can’t even sort out there own party mess for fear of upsetting a faithful, let alone sort out our country.

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    Mute Fabio Dillon
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    Nov 28th 2017, 2:26 PM

    @Paul Linehan: if you are not in neg eq, a restructure or in arrears you are free to switch your mortgage. More than likely you will need 80% or less LTV but to say that as part of some T&C’s that you are ‘locked into your mortgage provider’ is just a lie.

    Stop talking silly.

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    Mute Paul Linehan
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    Nov 28th 2017, 4:10 PM

    @Fabio Dillon: You pay penalties for redeeming your mortgage before the end date….

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    Mute Stephen Maher
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    Nov 28th 2017, 10:20 AM

    5.5 billion repaid that saves 150miilion in interst over the life of the loan isnt value.
    You couldnt borrow money with those interest rates.
    Its a strange decision and certainly not in the public interest.

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    Mute Matthew O'Kane
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    Nov 28th 2017, 10:38 AM

    @Nick Allen: so paying back the top 1% partying bad debts of 2010 is a good thing? and next year when the next crash happens we can bail them out all over again and shrink and privatise more of our public services and infrastructure Sell off retire all the HSE Gardai and emergency services its great to be a neo liberal, 5.5 billion that wont be going into our public services and economy its a neo liberal life for us under fianna fail and fine geal keep the robbery going policy

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    Mute tom McCormack
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    Nov 28th 2017, 11:20 AM

    Our National Debt is €215,000,000,000 and rising.
    In 2007 our National Debt was €35,000,000,000.
    Every year we need to pay €6,000,000,000 in Interest to mostly foreign investors.

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    Mute Adrian
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    Nov 28th 2017, 10:51 AM

    Only 194.5 billion now left on the national debt! Took the politicians only a few years to increase it from 50 to 200 billion, it’ll only take a few generations for them to repay it back!

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    Mute James Mc Loughlin
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    Nov 28th 2017, 10:47 AM

    Where is he getting this money seeing that there is no money for houses and homeless
    how come its our loan we did not create it but the big business people must be paid

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    Mute Joseph Dempsey
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    Nov 28th 2017, 10:57 AM

    Aren’t we marvellous, you’d think we should be delighted about paying back a F@$king loan that was required through no fault of the ordinary tax payer, Pascal seems tickled pink over this, an utter clown at the best of times, a bumbling buffoon most of the time, Jesus wept is thus the best we can do by way of ministerial appointments.

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    Mute John Meade
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    Nov 28th 2017, 11:05 AM

    @Joseph Dempsey: ah yeah better to let the country to completely go to ruin instead that way we can all be equally unemployed and oh still in debt!

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    Mute Joseph Dempsey
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    Nov 28th 2017, 11:12 AM

    @John Meade: no, better to let the banks sink or swim, and perhaps nudge Apple to be good enough to pay that little sum in tax owing.

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    Mute John Meade
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    Nov 28th 2017, 12:16 PM

    @Joseph Dempsey: you mean the profits it’s made in the EU so as soon as we claim I’m 27 countries will be claiming their share of it, you’ll find that their profits made in Ireland are minuscule in the 13bn,

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    Mute Ciaran Fairley
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    Nov 28th 2017, 12:20 PM

    @John Meade: Here’s a mad idea! Stop putting countries into to so much debt. If you can’t afford it then don’t buy it. Stop bailing out banks and let them crash. It’ll be a lesson to the rest of them. They’re ideals though that will never translate into practice unfortunately.

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    Mute John003
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    Nov 28th 2017, 10:03 AM

    Hope we pay the British back….Didn’t they lend us a few billion?…With Brexit British need the money…..

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    Mute Stephen Kennedy
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    Nov 28th 2017, 10:30 AM

    They lent us money under the condition they could lay a HVDC sub sea cable under the irish sea…little known fact :o

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    Mute Disco Declan
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    Nov 28th 2017, 11:26 AM

    @Stephen Kennedy: That’s interesting. Do you have a source?

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    Mute Dark Knight
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    Nov 28th 2017, 11:17 AM

    Reality of the situation is this is good news. Were we given a bad deal and treated unfairly, most definetly, but we had no other option but to accept. Anyone who suggests we should have not bailed out the banks simply have no idea what they are talking about.

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    Mute Kieran OKeeffe
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    Nov 28th 2017, 12:04 PM

    Sacrifices made by our citizens…sorry I mean imposed on our citizens

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    Mute Charles Coughlan
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    Nov 28th 2017, 12:42 PM

    That’s what our vehicle tax is going towards because it’s not being spent on local roads.

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    Mute Gareth Cooney
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    Nov 28th 2017, 12:00 PM

    We didn’t have to bail out Anglo and it’s sister bank that no longer exist. €35bn for nothing in return.

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    Mute prop joe
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    Nov 28th 2017, 12:56 PM

    So this basically refinancing of loans. We bailed out the bank bond holders, we did not get a bail out. It was the other way around. Money followed into the country and pushed up house prices. Benefiting a clique of businessmen and politicians. The line of we a got rich is constantly thrown out which is absolute bull. Anyone who questioned this at the time was dealt with. Look at Garda McCabe don’t rock the boat or you be ruined.

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    Mute Matt Rogers
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    Nov 28th 2017, 11:18 AM

    Interesting timing !!
    first move in election campaign ??

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    Mute John Meade
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    Nov 28th 2017, 11:03 AM

    Good that they have done this, and correct me if if wrong but with the fiscal treaty written into our constitution and voted for in a referendum a few years ago, even if our government wanted to spend that money on other things that many are mentioning here, they couldn’t! Aren’t they completely restricted with what they can spend?

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    Mute John Meade
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    Nov 28th 2017, 11:04 AM

    Ah dammit I hate typos

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    Mute Kieran OKeeffe
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    Nov 28th 2017, 12:10 PM

    Bellenda 2011..it’s not your debt..months later..Bellenda..paddy went mad..current taoiseach..not another red cent…and we keep voting them back in..

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    Mute Aiden Doyle
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    Nov 28th 2017, 2:22 PM

    An absolute joke.Health and education systems badly in need of investment not to menrionbthe homless/ housing debacles…

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    Mute Matthew O'Kane
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    Nov 28th 2017, 2:39 PM

    @Nick Allen: again im not answering this for your benefit but those reading this because you are smart enough to know better and write better but choose to toe the line, back in the crash merkel and her CDU where furious with Ireland fianna fail /greens when they jumped the gun and guaranteed the banks private bad debts out of the Irish pension fund it lead to the CDU having to guarantee all the dodgy greek top 1% 100s of billions in debt with german pensioners funds. Merkel handed over 500 billions to refloat the private greek european debt its why the CDUs support is collapsing..
    You think that was a model follow for the next crash, it sounds like the worst bit of leadership in europe since the decisions that lead to the rise of the nazis and world war 2. More importantly the banks are bigger than ever in ireland and europe deutsche bank practically runs germany in the CDU place leaving european savers and mortgage holders even more at the mercy of banks than ever. Irish/european banks should be broken up into the 1000s and savings banks should be set aside from vulture bubble gambling speculation investment bank running scams such as our current housing bubble.

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    Mute Kevin Slater
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    Nov 28th 2017, 3:41 PM

    Reading the comments here it is clear that most people don’t get it. We live in a free market economy, Thatcherism writ large.
    No Irish political party will build affordable housing or support a public health system.
    Criticise Britain all you like but they set up the free-at-point-of-delivery NHS. There is far more regard for its citizens in the U.K. than ever there was in this country. The Torys are more socialist, more republican than FFFG

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    Mute Jointheclubtoo
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    Nov 28th 2017, 10:12 PM

    @Kevin Slater: Yeah they manage to clear that bar alright, Even though of course it is lying on the ground.

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    Mute Stephen Devlin
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    Nov 28th 2017, 11:44 AM

    211bn – 5.5bn #WINNING

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    Mute Sean Salmon
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    Nov 28th 2017, 8:31 PM

    Matterless to most of us. The golden circles will continue to party whilst proportionally less and less goes where it is needed. Can someone enlighten me asto how 50 years ago there was no money in the country yet social housing was widespread

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    Mute podgelyne
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    Nov 28th 2017, 3:02 PM

    And we fighting to not get the Apple tax money . Winkers wud save nearly half a billion if they threw that in put it to proper use

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    Mute Ciaran Kehoe
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    Nov 28th 2017, 3:12 PM

    Now all we need is clowns voting FF back into power so that they can ruin the country again & add more debt that we the tax payers will have to fund through no fault of ours

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    Mute Mark Walsh
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    Nov 28th 2017, 1:16 PM

    Everyone give each other a Tap on the Back for this.
    What about all the Families chucked out on the street because of the Bankers’ Builders etc’ the people who committed suicide because they couldn’t pay their bills
    Do you honestly think that the Irish Government will spend money after these bailout payments….if so you deserve to be stupid

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    Mute Celia Ham
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    Nov 28th 2017, 1:53 PM

    That makes no difference in our ives they will continue to squeeze us in empty taxes for money we don’t have and invented crap we don’t need

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    Mute Thomas McMillan
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    Nov 28th 2017, 11:24 AM

    No brainer.

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    Mute Vincent Sharpe
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    Nov 28th 2017, 5:37 PM

    Paschal needs to look good because at the next Election he will be booted out and perhaps his pals in the EU Will look after him????

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    Mute Brian
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    Nov 28th 2017, 6:58 PM

    Good news story. It amazes me the amount of people to find a negative with every positive. Guess it says a lot about em.

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    Mute Rob Hopkins
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    Nov 28th 2017, 11:00 PM

    Approval to pay back a loan early ? Oh right.

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    Mute Sha Key
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    Nov 28th 2017, 1:41 PM

    Ah feck it! I’ve nothing to give out about!!!

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    Mute Benny Dowling
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    Nov 28th 2017, 6:39 PM

    Best little country ever

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