If you are expecting the banks’ agents to come calling over Christmas, don’t worry, you have plenty of time and help is at hand.

Coming up to Christmas does not mean the vultures who work for the banks will be letting people enjoy the season. Many hundreds of people will be served with summonses on their homes and businesses before the end of the current court sitting and thereafter leading up to the holiday.

We at DDI understand this all too well, as one of the reasons we were created was to help fight this unbalanced state sponsored system that values bankrupt banks over people’s lives. We will continue to do whatever we can to help people stay in their homes and support all groups assisting lay litigants in this process.

So if this happens to you this December don’t worry there are people who can help. Below is a reassuring message from our good friends in The Land League to hopefully put your mind at rest over the Christmas season.

The more litigants we can get to take on this process in the courts, the more clogged the courts become, and the more irritated the courts become with the banks.

We have pushed this course of action since we began, because eventually weight of numbers will to cause the banks to come to the table and write down loans, as theirs have been. It is the only process that has caused them to bend thus far and make the offerings they have, however paltry.

So, take things easy and do not worry, there is plenty of time.

 

(Read the Land League article)

JUST BEEN SUMMONSED TO COURT? DON’T PANIC, READ THIS….

For over 100,000 homeowners in arrears and their partners, being served a summons to court by the bank is the moment they have been dreading most. So many homeowners have been sticking their heads in the sand, hoping and praying for a knight in shining armour that will save them from homelessness. The penny drops however when that knock comes to the door, often in the evening time, and the unsuspecting homeowner is handed the summons by a stranger. Its a moment when even the hardest of people, muscle-bound bruisers, turn to jelly, and the most positive people in life are overcome with shock, anxiety and depression. Physically, the heart-beat revs to palpitations, many have reported to us shortness of breathe, nausea and trembling.

These reactions are the release of pent up anxiety, often building over a number of years, as worst fears are realised. It isn’t pent up emotions alone that bring about such reactions when handed a summons for a civil bill application by the bank. One of the main contributors is, believe it or not, ignorance, a lack of knowledge regarding what the summons is and what it means.

If you, like scores of thousands, have fallen into arrears on your mortgage, it is likely that you believe you will have no options other than to eventually hand in your keys or go to court to lose it sooner rather than later. This is in reality far from the case. If a home owner decides they wish to defend themselves having received a summons to court they can be guaranteed, with a little knowledge, to remain in their home for years to come. If you have recently been served with a summons to the Circuit Court, here’s a few starting facts that will put your mind at ease and allow you a good night’s sleep. The facts and court defence tactics outlined below do not present a silver bullet but rather will gain you significant amounts of time during which the Land League aims to build a national campaign to end evictions and achieve an across the board write-down on home mortgage debt.

1.  When you go to the Circuit Court for the first time……….
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