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Families face eviction so homes can be used for social housing

The fifteen families are expected to leave their homes before Christmas.

FIFTEEN FAMILIES LIVING in a Dublin housing estate face eviction before Christmas because receivers are selling their rented homes to be used for social housing.

The landlord of the houses in the Red Arches estate in Baldoyle has gone into receivership and families late last month were issued with letters terminating their tenancies.

Mother of three Helen McDonald told TheJournal.ie she “cried for five days” when she received the news that her family would have to leave the house by 15 December. She has been living in the house since 2012 with her husband Steve, her two boys aged six and four, and her 16-month-old daughter.

Since receiving the letter, she said they have tried to find a new house in the area to move into but they are now priced out of the market. Their two sons attend the local school so they want to remain in Baldoyle.

“We went to a house last Thursday and the lady told us we were high on the list to get it but there were 55 people in to look at the house,” she said. “One of the girls [whose tenancy has also been terminated] told me she went to see a house and someone had six months’ rent up front – we’ll never be in a position to do that.”

Disrupting family life

They have lodged a complaint with the Private Residential Tenancies Board and McDonald said they plan to fight for as long as possible to remain in their home.

It has been a particularly difficult year for the family, as their baby girl suffered a head injury in a freak accident at a very young age. A golf ball that was stuck in an electric mower at the local park shot out of the blades and struck her on the head. She has epilepsy as a result and has regular seizures.

“We don’t want to disrupt our family life,” the mother of three commented. “Because the baby has epilepsy, she needs to be in her own environment and her own routine.”

We’ve had a pretty rough year already and this has just tipped it over.

Social housing

A spokesperson for National Asset Management Agency (Nama) told TheJournal.ie that these properties are being sold to the local authority and an approved body for social housing.

The agency stressed that its role in all of this was as the owner of the loans and it is the receiver who is actually selling the houses.

As a secured lender, NAMA actively encourages all receivers to work with the prospective purchasers of properties being made available for social housing and the existing tenants to find appropriate solutions.

“It is NAMA’s policy that where assets securing the Agency’s loans are being sold, existing contractual rental obligations are honoured in so far as is legally possible by the sellers of that property.”

First posted at 3.30pm

Read: This letter threatens tenants with eviction if they don’t pay water charges>

Read: ‘Pyjama couple’ appear in court again>

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219 Comments
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    Mute Scaldychops
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    Jan 7th 2014, 1:48 PM

    Why do they use the word ‘raise’ when the correct word is ‘borrow’?

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    Mute Cillian_Durkin
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    Jan 7th 2014, 2:35 PM

    because that is the industry terminology since time immemorial (last decade anyways).

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    Mute David Burke
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    Jan 7th 2014, 2:40 PM

    They both mean the exact same thing.

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    Mute Richie Rodgers
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    Jan 7th 2014, 3:08 PM

    Scaldychops
    Why do you continue to use the Journal in much the same way as most use Wikipedia but in this case you simply highlight how little you know on any subject.
    Perhaps you could help us further by letting us know who you are !

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    Mute Scaldychops
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    Jan 7th 2014, 3:41 PM

    Cillian/David, my point was that the word ‘raise’ is spin. It’s used by governments to avoid using the word ‘borrow’. We pay interest on this loan (well, our grandchildren will). Whilst I didn’t expect attention-seekers like Richie Rogers to get the point I thought you guys would. Having said that, you probably don’t expect nuance on the Journal, and I wouldn’t blame you!
    Anyway, I’ve just been refused help by my Credit Union to ‘raise’ Euro500 although they did say they’d give me a loan for the same amount.

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    Mute Clive Hand
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    Jan 7th 2014, 2:03 PM

    Hardly a great day, borrowing billions to keep the lights on.

    If raising billion for capital expenditure on infrastructural projects then happy days.

    How much is the annual interest bill for the country for 2013 compared to previous years.

    How much is the annual interest bill as a % of tax receipts and how has that compared to previous years.

    Solving a debt crisis with more debt is madness.

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    Mute YouNeek
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    Jan 7th 2014, 2:26 PM

    You do realise that govt current expenditure is a weekly and daily occurrence but revenue is staggered at various times throughout the year. On that fact alone the govt needs an “overdraft” facility if I can put it like that. Secondly it also needs to secure funding going forward in case of severe shocks. Thirdly debt is not necessarily a bad thing if it us limited in growth to equal inflation and economic growth combined.

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    Mute Cillian_Durkin
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    Jan 7th 2014, 2:38 PM

    Every country borrows, a lot do for deficit spending, like what we are doing.

    As long as the economy is growing faster than the debt and interest then happy days, it is good Governance then.

    A state’s finance cannot be compared to a family budget, unless you have a family that live for hundreds of years and use inflation to destroy debt.

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    Mute David Burke
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    Jan 7th 2014, 2:41 PM

    Well if you want to swing the axe on public spending go ahead. Might have a few problems with that though.

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    Mute Clive Hand
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    Jan 8th 2014, 7:59 AM

    People seem to miss the point. Media and Government are spinning it as great news for the country. Ability to borrow to add more debt to debt.

    Government is funded to the tune of 25bn to Q1 2015. NTMA went to the markets at the first possible opportunity, why do you think they done this?

    Inflation in the Eurozone is a real worry. We have experienced deflation since 2009 in pay while goods and services increase in price.

    Am not saying stop or cut spending. Am saying why has our government not done more to reduce a debt burden of banks that should not be shouldered by The people of this country. For example what happened to the EU commitment last June 2013 to buy out the governments shares in the banks. Why did the government crystallised Anglo Prom Notes into national debt, especially after we exit the bailout troika members said it was wrong to pay non secured bond holders. Why can’t the ESM return this 30bn to us, especially as Ireland has to contribute 11bn to the fund. Banking Union first non sense. Applications can not be back dated non sense. What is the government doing on that?

    Solving a debt problem with more debt doesn’t work, on a governmental or personal level.

    Debt to GDP ratio of 124% is the highest in EU and not sustainable.

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    Mute Nigel O Keeffe
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    Jan 7th 2014, 3:01 PM

    After 6 years of austerity..is it time the government borrowed to give the economy a jump start…5 billion or so spent on unemployment payments cost as much as 5 billion spent on infrastructure..
    I know there would be a gap between the first impacting on the second but surely its worth trying!

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    Mute YouNeek
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    Jan 7th 2014, 3:25 PM

    No Nigel, the country tried that before late 70s, early 80s. It didn’t end well. We are an open economy so money spent is only partially retained within the domestic economy. Compare that with the US or Germany for example where money is much more likely to recirculate in the domestic economy. That’s one reason why large scale capital expenditure would have only short term positives with long term costs.

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    Mute Nigel O Keeffe
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    Jan 7th 2014, 3:56 PM

    I see your point but would it be worth investing locally..in a lot of small projects? Schools..remedial works on viable ghost estates..i mean ones in areas with schools and the like ..as opposed to large scale projects which would have to go for open european tender?

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    Mute YouNeek
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    Jan 7th 2014, 4:11 PM

    Capital expenditure is necessary and small and big projects are needed. But a large scale capital expenditure program would not benefit the Irish economy in the medium to long term.

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    Mute richardmccarthy
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    Jan 7th 2014, 4:22 PM

    Sure go ahead,the ability to raise or borrow another yet another €10 billion of debt on the open market just to keep the country from sinking is nothing to boast about at all when future generations will have a mountain of debt to pay back on the double, whatever happened to living within our means and not spend money we dont have,like the prevous generations lived before the bubble bust,borrowing is akin to gambling with your future,sometimes its works,and if it dont,well.

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    Mute YouNeek
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    Jan 7th 2014, 4:54 PM

    The country has always borrowed money, every country for the last 1000 years has.

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    Mute Alan O'connor
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    Jan 7th 2014, 6:01 PM

    Wasting your time trying to explain things on here. The economic illiteracy of some commenters is staggering. Interesting that there’s been no update at the time I write that the sale of bonds was a huge success.

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    Mute Cillian_Durkin
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    Jan 7th 2014, 7:36 PM

    Richard.

    Can you point out even one successful country that has done what you propose.?

    Your proposals are well meaning but they would quickly lead to an end to long term investment and economic decline and collapse in a a short few years, even worse than we are now.

    Your ability to repay has to grow faster than your repayments. So if you are running a deficit of 3% per annum and are growing at 4% with inflation of 2%, then every year your repayments are getting smaller in real terms and your economy is growing.

    It has never been tried because it does not make financial sense.

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    Mute richardmccarthy
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    Jan 7th 2014, 11:24 PM

    At 120% of GDP our total national debt is set to cost the Irish taxpayers €10 billion just to service next year and every year there after, if there is little growth in the economy over the next few years there is little hope of reducing the interest paid not to mind start to reduce the € 200 billion debt princible, how long the country can suffer this kind of loss is anyones guess,what is 100pc certain, it is not sustainable in the long term.

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    Mute YouNeek
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    Jan 7th 2014, 11:36 PM

    No it’s not Richard, ten years of average 2% inflation will reduce the debt in real terms by approx 25% without ever reducing the principal as you put it. The value of money decreases over time, if we stabilise the debt it will shrink naturally. Economic growth will increase our ability to service that debt. It’s a simple equation, inflation plus growth must be less or equal to any increase in debt over the long run. This is where he 3% deficit target comes from.

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    Mute Clive Hand
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    Jan 8th 2014, 8:03 AM

    Germany, Saudi Arabia, check out The CIA’s world fact book for more examples.

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    Mute Clive Hand
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    Jan 8th 2014, 8:05 AM

    @youneck Japan took that approach and didn’t work.

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    Mute YouNeek
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    Jan 8th 2014, 8:48 AM

    Have no idea what sort of point you are trying to make Clive

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    Mute Liam Treacy
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    Jan 7th 2014, 10:18 PM

    Maybe we should take the advice of SIPTU’s Jack or David the economist or indeed the Tanaiste before the election and burn them all even those who agreed to loan us money today.

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