How to find your TD's contact details

Brendan Burgess

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The Oireachtas website has a fairly good way of finding your TDs and their contact details

http://www.oireachtas.ie/members-hist/default.asp?housetype=0&HouseNum=31&disp=mem

Gives you the following screen:

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When you enter a location, you must select the one suggested, and then press find.
If you type in "High Street, Athy", it does not work.

These are the results for Athy

You get the email address and can follow the links for the phone numbers.



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This is the quick and dirty letter I suggested some weeks ago. Has anyone drafted a better one which they could share?

Some version of the following:

Dear TD

We are a customer of [ ptsb] and we have a mortgage of [200,000] on our home. We are paying a rate of 4.5%. The average rate in the rest of the eurozone is around 2.5% so we are paying €4,000 or €350 per month more than the average.

This is a state owned bank which is being recaplitalised at my expense.

The effect this is having on my family is as follows:


What makes this most insulting is that a new customer with my LTV can get a rate of [3.8%] I can't switch to another lender because [I had arrears for a period after I lost my job]

It is very frustrating for me that the Minister for Finance says it's none of his business. He will talk to the Central Bank about it. But the Central Bank has been publishing misleading figures on the mortgage rates for some time, so they are not to be trusted.

The Competition and Consumer Protection Council says it's not a priority for them.

I ask you to put pressure on the Minister for Finance to call in the Chief Executives of the lenders and insist that they reduce interest rates towards the rates in the rest of the Eurozone.

The Minister should tell the banks that if they do not comply, that he will reluctantly introduce measures to give the Central BAnk the power to set a maximum mortgage rate in exceptional circumstances. And the plight of 300,000 variable rate mortgages holders counts as exceptional circumstances.
 
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I'll be using this template as a basis for writing to my TD, I think the first line needs to say "€4,000 per annum more than the average" ?

My letter to the Irish times on this subject was in the Irish times digital edition yesterday, not sure if it was in print.
 
Hi Jath

Thanks for the suggestion and I have edited it now.

Have you a link to your letter in yesterday's paper?

Brendan
 
http://www.irishtimes.com/opinion/letters/variable-rate-mortgages-1.2180134

Edited by the IT from a longer original draft, but they still left in the typos:)

A chara, – Further to the comments by the Minister for Finance stating that the Central Bank has no powers to compel banks to offer amended interest rates to the 300,000 variable-rate mortgage holders in line with other euro zone countries, I would remind him that once upon a time it was possible to guarantee, and later nationalise, nearly all the banks (“Central Bank briefs Michael Noonan on research into mortgage rates”, April 2nd).

Although incredibly unwise, it was surely a greater feat than what is being asked of them now, so where have these powers gone?

The State still retains up to a 99 per cent shareholding in some financial institutions, which should be sufficient to serve the needs of the electorate.

We are where we are, so can we not finally turn this mess to the our advantage?

Telling people to go shop around for deals is not an option those who are still in negative equity.

This is very much the major election issue for such account holders, and if they have any ambitions of retaining office, Ministers will need to show a little more energy and resolve in the matter. – Yours, etc,

JOHN HOWELL,

Dunleer, Co Louth.
 
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Reminder- The Oireachtas website has a fairly good way of finding your TDs and their contact details

http://www.oireachtas.ie/members-hist/default.asp?housetype=0&HouseNum=31&disp=mem

Gives you the following screen:

View attachment 492

When you enter a location, you must select the one suggested, and then press find.
If you type in "High Street, Athy", it does not work.

These are the results for Athy

You get the email address and can follow the links for the phone numbers.

View attachment 491[/QUOTE]


Reminding all where to get your local TD contact details. As suggested a continuous nationwide campaign of loobying TDs, MEPs and Senators needs to be kept up and intensified.
 
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