Paul Joyce

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Paul Joyce, Flac’s senior policy analyst, said it was ‘clear that the current system of resolution is not working effectively’.   Photograph: Getty Images

The debt-management system put in place to deal with the mortgage arrears crisis that followed the 2008 economic crash has failed to deliver for distr(...)

Sinn Féin’s spokesperson on finance Pearse Doherty: ‘These ultra-high interest rates are unethical, immoral and trap vulnerable borrowers into vicious cycles of debt.’ Photograph: Dara Mac Dónaill/The Irish Times

Sinn Féin wants to cap the cost of credit moneylenders can charge at no more than three times the market average. The party’s finance spokesman, Pear(...)

Dealing with a non-performing mortgage on a family home  is a daily reality for 64,510 borrowers, according to   the Central Bank. Photograph: Sean Gladwell/Getty

The first five years of Mary’s mortgage were uneventful. She bought her house with her partner in 2010, in the teeth of the recession. Despite the eco(...)

Can we fix it?: Bob the Builder, an unlikely holder of a Christmas no 1. Photograph: Michael Buckner/Getty Images

Slade v Wizzard (1973) “The rivalry erupted in a custard-pie fight” – Dave Hill, guitarist, Slade Slade perform on a Christmas TV show in (...)

David Hall, chief executive of the Irish Mortgage Holders Organisation, said up to 30,000 households in long-term arrears faced homelessness and that he believed Minister for Finance Michael Noonan was a vulture-fund ‘lover’.  Photograph: Alan Betson/The Irish Times.

A Government TD walked out of the Oireachtas Housing and Homelessness Committee on Tuesday after a speaker referred to Minister for Finance Michael No(...)

 The funeral of Sean Sweeney at the Church of Our Lady Help of Christians, Navan Road. Photograph: Colin Keegan/ Collins

Mourners at the funeral of Seán Sweeney who drowned along with his son (3) in Dublin on Easter Saturday have heard he was a ‘kind-hearted chap’. The (...)

Noeline Blackwell, director of Flac, said the organisation’s telephone  information line was something of a “social thermometer for issues affecting people in Ireland”. File photograph: Dara Mac Donaill/The Irish Times

Queries about housing rights to the Free Legal Advice Centres (Flac) increased by 82 per cent last year compared with 2013, according to the organisat(...)

Hanley & Co menswear on Williamsgate Street in Galway

Hanley & Co menswear store on Galway’s Williamsgate Street is a business that has embraced the idea of shopping as theatre. In December, Cavan (...)

 Flac senior policy analyst Paul Joyce, co-author of  a  report on how consumers have been served by successive governments, the Central Bank,  the Financial Services Ombudsman and the EU

Consumers were robbed of many of their rights and protections across the financial se(...)

Although severe and sometimes intractable problems remain, the dust may finally be starting to settle on the personal debt crisis in Ireland. P(...)

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