The National Land League of Ireland has provided content to assist homeowners who are currently dealing with mortgage arrears. This content consists of a 3-part video information series by Dr. Finbar Markey covering (i) the arrears/administrative process, (ii) the court/litigation process and (iii) defending your home after a possession order has been made.

It also features a 30-minute interview with Sandra Daly from Mullingar. Sandra, who comes from a compliance background within the banking sector, talks about her recent victory against her mortgage lender AND explains why she believes the CCMA (Code of Conduct on Mortgage Arrears) is the most powerful tool available to homeowners taking on their bank.

Module I – Arrears

In this Module we will look at an overview of the Dealing with Mortgage Arrears & Arrears Collection Process, from the point that you first fall into arrears, until you’re taken to court. We will look at the bank’s obligations under the Central Bank’s ‘Code of Conduct on Mortgage Arrears’ (CCMA), including the Mortgage Arrears Resolution Process (MARP) and discuss how best to read and respond to banking letters.

Module II – The Court Process

In this Module we will look at how the Circuit court process works, from the point that you first receive a summary summons (Civil Bill), to the role of the Registrar’s court and on to the judge’s list. We will discuss various techniques, which you can use to slow down the court process for months and even years, allowing you valuable breathing space in order to properly defend your home. We will remind you of the bank’s obligations to their customers and show you how to prepare and enter a robust defence.

Module III – After a Possession Order

In this Module we will look at the various reasons for appealing a possession order granted in the Circuit Court, as well as the appeals process itself. We will talk about the process of entering a motion for an extension of time to appeal an order, and how to obtain a stay on an order to postpone the carrying out of an eviction. Finally we will discuss how to engage with the sheriff and encourage them to hold off on executing the eviction periodically, whilst paperwork is being prepared for an appeal.

Module IV – Homeowners Guide To The CCMA

30-minute interview with Sandra Daly from Mullingar. Sandra, who comes from a compliance background within the banking sector, talks about her recent victory against her mortgage lender AND explains why she believes the CCMA (Code of Conduct on Mortgage Arrears) is the most powerful tool available to homeowners taking on their bank.

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