Pillar to Post Launch

FLAC is a human rights organisation which exists to promote equal access to justice. As an NGO, FLAC relies on a combination of statutory funding, contributions from the legal professions and donations from individuals and grant-making foundations to support its work.FLAC offers basic legal information through its telephone information line (1890 350 250) and free legal advice through its network of volunteer evening advice centres – more atwww.flac.ie/help/.FLAC is an Independent Law Centre that takes on cases where this is in the public interest. FLAC also campaigns on a range of issues, including consumer credit, personal debt, fairness in social welfare law, public interest law and civil legal aid.FLAC operates the Public Interest Law Alliance (PILA) which seeks to engage the legal community and civil society in using the law to advance social change

FLAC

Launch of the fourth “From Pillar to Post” paper on critical issues arising in consumer debt, in the context of Covid 19 and the aftermath.

FLAC (Free Legal Advice Centres)

On November 17th, from 5.00 – 6.15 p.m. at the FLAC offices, 85/86 Dorset Street Upper, Dublin 1, Free Legal Advice Centres will launch the fourth and final paper in its series, “From Pillar to Post”, work which focuses on critical issues arising in consumer debt, in the context of the Covid 19 pandemic and the troubled aftermath.This final paper to complete the series critically reviews the debt resolution mechanisms available to borrowers in financial difficulty and the support services in place to access those resolution mechanisms and makes a wide range of recommendations for reform.The paper will be launched by Colin Daly, Judge of the Circuit Court and former Solicitor-in-charge at Community Law and Mediation (CLM). FLAC CEO, Eilis Barry and the authors of the papers, Paul Joyce, FLAC Senior Policy Analyst and Dr Stuart Stamp, Independent Social Researcher and Research Associate, NUI Maynooth will speak on the work. Responses to the paper will be provided by Dr Joseph Spooner, Associate Professor at London School of Economics Law School, principal researcher in the (Irish) Law Reform Commission’s personal debt management and debt enforcement project and internationally recognised insolvency expert and Gwen Harris, Regional Manager, North Dublin Region, Money Advice and Budgeting Service (MABS).The previous published papers in the series are as follows:•	Paper One - Setting the Context: a critical examination of data relating to consumer debt, welfare, labour market and the economy (May 2021). This paper charted the relevant data and the perception of financial difficulty and consumer debt in the period immediately before the pandemic hit and subsequent to its arrival and provided an initial assessment of the potential implications for consumer solvency .•	Paper Two - Ten years and counting: Conclusions from a decade of attempting to resolve family home mortgage arrears in Ireland (August 2021). This paper examined the State’s efforts to manage the deep mortgage arrears problem over the decade following the Global Financial Crisis (GFC) and broadly concluded that the approach taken was unduly cautious and neither wished to allow the repossession of family homes in any significant manner nor the write-down of impaired mortgages, broadly speaking irreconcilable aspirations in the long term.•	Paper Three - Covid 19 Payment Breaks on Credit Agreements, An Assessment of Current Research Data (November 2021). This paper examined available data on the extent to which borrowers availed of the payment breaks offered by banks on credit agreements during the initial phase of Covid 19 from the end of March 2020 to the end of 2020. This analysis was undertaken to examine the initial financial impact of Covid on loan repayments and its potential effect in terms of increased future vulnerability to over-indebtedness.

Pillar to Post Launch

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Pillar to Post Launch

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