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11/12/2012 [Bills] Before we commence, I remind Senators that a Senator may contribute only once on Report Stage, except the proposer of an amendment who may reply to the discussion on the amendment. Each Opposition amendment must be seconded.
Amendments Nos. 1 and 5 are related and will be discussed togeth...
Vol-219 Book-8 Page [679]
11/12/2012 [Bills] Amendments Nos. 1 and 5 are similar technical drafting amendments required to refine the text of the Bill. I am advised by the Parliamentary Counsel that the words "and apart" are not required in this context and should be deleted in both instances.[Shatter, Alan]Vol-219 Book-8 Page [680]
11/12/2012 [Bills] The Minister has been helpful throughout this process but he should accept that an inordinate number of amendments have been tabled by him and we were only notified late last night. I acknowledge many of them are technical but this is not the best way for legislators to properly scrutinise....Vol-219 Book-8 Page [680]
11/12/2012 [Bills] I apologise to the Senator. We have a deadline to complete the legislation. Tens of thousands of people see this as important to their lives and it is important that we complete passage of the legislation prior to the Christmas break. Some of the amendments are technical while I was asked...Vol-219 Book-8 Page [680]
11/12/2012 [Bills] I support Senator Cullinane's comments. During the statements on the 90th anniversary of Seanad Éireann earlier, the conduct of this Bill was mentioned as a beacon of how the House can operate. I agree with Senator Cullinane's comments about the Minister's willingness to take on board poin...Vol-219 Book-8 Page [680]
11/12/2012 [Bills] Amendments Nos. 2, 21 and 135 are related and will be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [680]
11/12/2012 [Bills] Amendment No. 2 inserts a definition of "electronic means". The definition is required as a result of the proposed new section 23 in amendment No. 21, which provides for the insolvency service to communicate via electronic means. Amendment No. 21 is designed to facilitate the processing of...Vol-219 Book-8 Page [680]
11/12/2012 [Bills] Government amendments Nos. 3 and 127 are related and may be discussed together, by agreement. Is that agreed? Agreed.[An Cathaoirleach]Vol-219 Book-8 Page [681]
11/12/2012 [Bills] Amendment No. 3 is a technical drafting amendment which inserts the necessary definition of "insolvency arrangement" in the Bill. The proposed definition arises as a consequence of the amendments concerning transactions at undervalue where this terminology is used. Amendment No. 127 arises...Vol-219 Book-8 Page [681]
11/12/2012 [Bills] Government amendments Nos. 4, 25, 28, 42, 72, 117 and 142a are related and may be discussed together, by agreement. Is that agreed? Agreed.[An Cathaoirleach]Vol-219 Book-8 Page [681]
11/12/2012 [Bills] These amendments essentially relate to the new provisions in the Bill in regard to the treatment of pensions in the new and reformed insolvency processes. Amendment No. 4 provides for definitions in regard to relevant pension arrangements for the new debt resolution processes in bankruptcy....Vol-219 Book-8 Page [682]
11/12/2012 [Bills] This amendment, in regard to section 2(2)(b), as currently drafted, refers to section 157 of the Corporation Tax Act 1976 for the interpretation of "control". I am advised by the Parliamentary Counsel that this definition should be deleted.[Shatter, Alan]Vol-219 Book-8 Page [683]
11/12/2012 [Bills] Government amendments Nos. 7, 22, 26, 69 to 71, inclusive, and 114 to 116, inclusive, are related and may be discussed together, by agreement. Is that agreed? Agreed.[An Cathaoirleach]Vol-219 Book-8 Page [683]
11/12/2012 [Bills] Amendment No. 7 provides for definitions in regard to transactions at undervalue or the giving of a preference, such actions being designed to frustrate the legitimate interests of creditors. Amendment No. 22 is designed to refine the provisions in section 24 in regard to the conditions on ...Vol-219 Book-8 Page [684]
11/12/2012 [Bills] Government amendments Nos. 8, 154 and 155 are related and may be discussed together, by agreement. Is that agreed? Agreed.[An Cathaoirleach]Vol-219 Book-8 Page [684]
11/12/2012 [Bills] Amendment No. 8 further refines the existing text inserted by amendment No. 96 on Committee Stage. It proposes to delete the current section 5(2) and (3) and replace them with a minor technical amendment to ensure consistency with other courts Acts. Subsection (3)(c) is being added to faci...Vol-219 Book-8 Page [685]
11/12/2012 [Bills] Government amendments Nos. 9 to 15, inclusive, are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [685]
11/12/2012 [Bills] Amendment No. 9 arises following further consideration of the organisational approach to the insolvency service. I am advised that the provisions of subsection (2)(b) and (c) are not necessary for the purposes of the operation of the insolvency service as it will not be owning or holding pr...Vol-219 Book-8 Page [686]
11/12/2012 [Bills] Amendments Nos. 16 to 19, inclusive, are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [688]
11/12/2012 [Bills] Amendment No. 16 seeks to replace the existing section 15 of the Bill with new text. The proposed new text retains the requirement for the insolvency service to submit its business plans to the Minister for approval every year. However, it removes the current requirement in the Bill for th...Vol-219 Book-8 Page [688]
11/12/2012 [Bills] I ask the Minister to explain the impact of amendment No. 16 relating to the business plan.[Bradford, Paul]Vol-219 Book-8 Page [689]
11/12/2012 [Bills] This is the provision requiring that the business plan be submitted to the Minister with a statement of its estimate of the income and expenditure relating to the plan that is consistent with the moneys estimated to be available to the service for the period during which the business plan re...Vol-219 Book-8 Page [689]
11/12/2012 [Bills] That is an utterly sensible approach. Would the director have the power to refuse to appear before the Oireachtas Joint Committee on Justice, Defence and Equality? Is it at his discretion or is he mandatorily required to appear before the committee? Clarity is needed to avoid a potential....Vol-219 Book-8 Page [689]
11/12/2012 [Bills] If the Oireachtas Joint Committee on Justice, Defence and Equality requested the director of the insolvency service to make a presentation on a particular issue or to explain how the service is working, it would be extraordinary if he did not appear and comply with that request. Clearly it ...Vol-219 Book-8 Page [689]
11/12/2012 [Bills] I call Senator Daly.[An Cathaoirleach]Vol-219 Book-8 Page [689]
11/12/2012 [Bills] I have a supplementary question.[Conway, Martin]Vol-219 Book-8 Page [689]
11/12/2012 [Bills] The Senator may only speak once on Report Stage.[An Cathaoirleach]Vol-219 Book-8 Page [690]
11/12/2012 [Bills] I did not feel it was clarified.[Conway, Martin]Vol-219 Book-8 Page [690]
11/12/2012 [Bills] Do you want to let him in, a Chathaoirligh?[Daly, Mark]Vol-219 Book-8 Page [690]
11/12/2012 [Bills] No. He may only come in once on Report Stage.[An Cathaoirleach]Vol-219 Book-8 Page [690]
11/12/2012 [Bills] I thank the Minister. My colleague raised an important issue on the powers of the Oireachtas Joint Committee on Justice, Defence and Equality in the event that the person in charge does not want to appear. Even if he does, in some of our committees we have seen that the answers are less th...Vol-219 Book-8 Page [690]
11/12/2012 [Bills] The legislation clearly provides for the director of the insolvency agency, if requested by the Oireachtas Joint Committee on Justice, Defence and Equality, to come and discuss an issue but not, as I keep stating, an issue relating to a particular individual who may have a personal insolvenc...Vol-219 Book-8 Page [690]
11/12/2012 [Bills] Amendments Nos. 20 and 27 are related and will be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [691]
11/12/2012 [Bills] Amendment No. 20 is designed to recast and improve the new section 23 inserted by amendment No. 5 on Committee Stage taking account of matters raised by Senators during the course of the debate. The title and text of the section have been expanded to include the term "reasonable standard of...Vol-219 Book-8 Page [692]
11/12/2012 [Bills] I thank the Minister for taking on board the views expressed in this House with regard to amendment No. 20, which is very similar to amendments we tabled on Committee Stage. As the Minister put it, we sought to recast the section on reasonable household expenses to which people are entitled...Vol-219 Book-8 Page [692]
11/12/2012 [Bills] Amendment No. 23 arises out of Committee Stage proceedings. Amendments Nos. 23 and 24 are related and may be discussed together, by agreement. Is that agreed? Agreed.[An Cathaoirleach]Vol-219 Book-8 Page [693]
11/12/2012 [Bills] These amendments speak for themselves and I presume the Senators will welcome them. Senators will recall we had much excitement about ceremonial jewellery and other items, and we have provided for an increased value in this matter. We had lengthy discussions in the other Chamber and here o...Vol-219 Book-8 Page [693]
11/12/2012 [Bills] We welcome these amendments with regard to jewellery and increasing the value of the car from €1,200 to €2,000. We sought a figure of €3,000 but we welcome this as a step forward. The Minister has taken a very sensible and pragmatic approach.
We appreciate the fact that the Minister list...
Vol-219 Book-8 Page [693]
11/12/2012 [Bills] Jewellery is a personal item and does not have to have a ceremonial context.[Shatter, Alan]Vol-219 Book-8 Page [693]
11/12/2012 [Bills] Amendments Nos. 29, 29a, 35 to 37, inclusive, 40, 41, 125 and 134 are related and may be discussed together, by agreement. Is that agreed? Agreed.[An Cathaoirleach]Vol-219 Book-8 Page [695]
11/12/2012 [Bills] Amendment No. 29 replaces amendment No. 15 made on Committee Stage in response to suggestions by Senators that the various notification and reporting requirements with regard to an approved intermediary dying or becoming otherwise incapacitated should be better clarified. The Parliamentary ...Vol-219 Book-8 Page [695]
11/12/2012 [Bills] I commend the Minister for taking on board the views expressed in the Lower House and this House in respect of amendments Nos. 36 and 37. I will withdraw amendment No. 36 because amendment No. 37 does the same thing but is better drafted legislatively. It was tabled to ensure that there wa...Vol-219 Book-8 Page [696]
11/12/2012 [Bills] Amendments Nos. 30, 31, 38, 44 to 47, inclusive, 73 and 76 to 79, inclusive, are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [696]
11/12/2012 [Bills] Amendment No. 30 is a drafting amendment to extend the reference to section 25 and a statutory declaration to that made by the debtor. Amendment No. 31 replaces the text inserted by amendment No. 17 on Committee Stage and is to correctly refer to a "permitted debt" in subparagraph (iii). I...Vol-219 Book-8 Page [696]
11/12/2012 [Bills] I wish to speak again about amendment No. 75. We had some discussion on Committee Stage in respect of the amendment. It states: "In page 76, line 47, to delete €3,000,000 and substitute €1,000,000". As the Minister will know, the amendment refers to the criteria for a personal insolvency....Vol-219 Book-8 Page [697]
11/12/2012 [Bills] Is the Senator referring to amendment No. 75?[An Cathaoirleach]Vol-219 Book-8 Page [697]
11/12/2012 [Bills] Yes.[Cullinane, David]Vol-219 Book-8 Page [697]
11/12/2012 [Bills] I am sorry but the amendment is not included in this group of amendments.[An Cathaoirleach]Vol-219 Book-8 Page [697]
11/12/2012 [Bills] I apologise for jumping ahead. Is it the next amendment?[Cullinane, David]Vol-219 Book-8 Page [697]
11/12/2012 [Bills] I was ahead of myself and overcome with excitement dealing with the jewellery matter and now the Senator is ahead of himself with regard to this amendment.[Shatter, Alan]Vol-219 Book-8 Page [698]
11/12/2012 [Bills] I apologise for reading the list of grouped amendments incorrectly. I thought we were dealing with amendments Nos. 73 to 79, inclusive, but it is amendments Nos. 76 to 79, inclusive.[Cullinane, David]Vol-219 Book-8 Page [698]
11/12/2012 [Bills] Amendments Nos. 32 and 33 are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [698]
11/12/2012 [Bills] Amendments No. 32 and 33 are technical drafting amendments to improve the presentation of the Bill and are recommended by Parliamentary Counsel.[Shatter, Alan]Vol-219 Book-8 Page [698]
11/12/2012 [Bills] Amendment No. 34 is a drafting change recommended by Parliamentary Counsel to improve the text of the relevant subsections of section 33 which amendment No. 21 inserted on Committee Stage.[Shatter, Alan]Vol-219 Book-8 Page [699]
11/12/2012 [Bills] Amendments Nos. 39 and 43 are related and may be discussed together by agreement.[An Cathaoirleach]Vol-219 Book-8 Page [700]
11/12/2012 [Bills] Amendment No. 39 is a technical drafting amendment to further refine the text to include reference to the provision of the advice in writing. The purpose of amendment No. 43 is to make clear that where the advice of a personal insolvency practitioner under section 48(1) is that the debtor s...Vol-219 Book-8 Page [700]
11/12/2012 [Bills] Amendments Nos. 48 to 51, inclusive, 55, 56, 80, 80a, 81 to 83, inclusive, 108 and 109 are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [704]
11/12/2012 [Bills] Amendment No. 48 replaces the current subsections (1) to (3) of section 57 to better clarify the effect of the issuance of a protective certificate in a debt settlement arrangement. Subsection (1) is now made subject additionally to the provisions of subsections (5) and (8). Amendment No. ...Vol-219 Book-8 Page [705]
11/12/2012 [Bills] Amendments Nos. 52, 58a, 59, 59a, 60, 112a, 112b, 112c, 112d are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [706]
11/12/2012 [Bills] Amendment No. 52 is consequential on amendment No. 60, which will delete section 78. This section provided for the process of termination of a debt settlement arrangement by a meeting of creditors on foot essentially of a material change in the debtor's circumstances in the opinion of the p...Vol-219 Book-8 Page [707]
11/12/2012 [Bills] I thank the Minister for accepting our amendment No. 59 and for removing the discretion of the personal insolvency practitioner. The previous wording, at section 77(2) on page 70 stated:
Where it appears to the personal insolvency practitioner concerned that there has been a material change...
Vol-219 Book-8 Page [707]
11/12/2012 [Bills] Amendments Nos. 52a, 105a, 106a are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [707]
11/12/2012 [Bills] Amendment No. 52a on the supplementary list clarified the voting rights exercisable by a creditor at a meeting of creditors to approve a debt settlement arrangement that they are in proportion to the amount rather than the value of the debt due to the creditor on the day the protective certi...Vol-219 Book-8 Page [708]
11/12/2012 [Bills] Amendment Nos. 53 and 106 are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [708]
11/12/2012 [Bills] Amendment No. 53 replaces the text of the current section 73 in respect of the consideration by a court in the insolvency service in regard to the eligibility criteria on the coming into effect of a debt settlement arrangement with clearer text to improve the comprehension of the section.
....
Vol-219 Book-8 Page [709]
11/12/2012 [Bills] Amendments Nos. 54 and 57 are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [709]
11/12/2012 [Bills] These are technical drafting amendments to improve the presentation of the Bill.[Shatter, Alan]Vol-219 Book-8 Page [709]
11/12/2012 [Bills] Amendments Nos. 57 and 110 are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [710]
11/12/2012 [Bills] Amendments Nos. 57 and 110 are technical drafting amendments to clarify the references to default by the debtor in sections 76 and 130.[Shatter, Alan]Vol-219 Book-8 Page [710]
11/12/2012 [Bills] Amendments Nos. 58 and 111 are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [711]
11/12/2012 [Bills] These are technical drafting amendments to improve the presentation of the Bill.[Shatter, Alan]Vol-219 Book-8 Page [711]
11/12/2012 [Bills] Amendments Nos. 61 to 63, inclusive, 67, 68 and 113 are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [712]
11/12/2012 [Bills] Amendments Nos. 61 and 67 are technical drafting amendments to insert necessary cross-references to sections 79 and 84.[Shatter, Alan]Vol-219 Book-8 Page [712]
11/12/2012 [Bills] Amendments Nos. 64, 118 and 120 are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [713]
11/12/2012 [Bills] Amendments Nos. 64 and 120 provide for a clear expression of what constitutes a period of arrears for the purposes of an application to the court by a creditor or personal insolvency practitioner for termination of a debt settlement arrangement or personal insolvency arrangement on the groun...Vol-219 Book-8 Page [713]
11/12/2012 [Bills] Amendments Nos. 65, 97a and 119 are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [713]
11/12/2012 [Bills] Amendment No. 65 is a drafting amendment and has been recommended by the Parliamentary Counsel to improve the text. It will ensure that the debtor will also be given notice by the personal insolvency practitioner of the termination of a personal insolvency arrangement due to a six-month arr...Vol-219 Book-8 Page [713]
11/12/2012 [Bills] Amendments Nos. 65a and 120a are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [713]
11/12/2012 [Bills] These are technical drafting amendments to improve the text of the Bill.[Shatter, Alan]Vol-219 Book-8 Page [714]
11/12/2012 [Bills] Amendments Nos. 66, 137 to 142, inclusive, 142b, 143 to 148, inclusive, 148a and 153 are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [714]
11/12/2012 [Bills] I am withdrawing Report Stage amendments Nos. 149 to 152, inclusive, already furnished to the Bills Office. Amendment No. 66 proposes the deletion of section 82 which provides that terminated debt settlement arrangements under sections 78, 79 or 80 are to be deemed acts of bankruptcy. Thes...Vol-219 Book-8 Page [714]
11/12/2012 [Bills] Amendments Nos. 72a and 135a are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [716]
11/12/2012 [Bills] Amendment No. 72a which proposes the deletion of section 85, is consequential on the new review section inserted by Amendment No. 135a.
Amendment No. 135a revises the original review provision in regard to the operation of the Bill. That review, which will encompass the three new debt res...
Vol-219 Book-8 Page [717]
11/12/2012 [Bills] Amendments Nos. 74, 84 and 84a are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [717]
11/12/2012 [Bills] I move amendment No. 74:
In page 76, between lines 39 and 40, to insert the following:
“(6) Once a Personal Insolvency Arrangement comes into effect, all interest on debts, which are the subject matter of the arrangement, shall cease to accrue and the creditor will be prevented from charging...
Vol-219 Book-8 Page [717]
11/12/2012 [Bills] Is there a seconder for the amendment? No.[An Cathaoirleach]Vol-219 Book-8 Page [718]
11/12/2012 [Bills] I move amendment No. 75:
In page 76, line 47, to delete “€3,000,000” and substitute “€1,000,000”.
I apologise but I was thrown by the other amendments requiring a seconder. As this is the one I dealt with prematurely earlier, I simply await the Minister's response.[Cullinane, David]
Vol-219 Book-8 Page [718]
11/12/2012 [Bills] Is there a seconder for amendment No. 75?[An Cathaoirleach]Vol-219 Book-8 Page [718]
11/12/2012 [Bills] I will second it for debating purposes.[Bradford, Paul]Vol-219 Book-8 Page [718]
11/12/2012 [Bills] This is the issue that was dealt with previously, when I explained at some length the purpose of the personal insolvency arrangement. It provides a structure within which a debtor, with the assistance of a personal insolvency practitioner, can seek to enter into arrangements with creditors ...Vol-219 Book-8 Page [718]
11/12/2012 [Bills] The Minister is being somewhat disingenuous with regard to the logic of this amendment. As I noted, Sinn Féin believes that the current ceiling is too high and too loose. This amendment is an attempt to avoid the facilitation of recklessness or the rewarding of irresponsible speculation. ...Vol-219 Book-8 Page [719]
11/12/2012 [Bills] I just do not understand how the Senator thinks there is any reward involved in this process, other than it facilitating debt resolution.[Shatter, Alan]Vol-219 Book-8 Page [719]
11/12/2012 [Bills] I move amendment No. 84:
In page 89, to delete lines 38 to 49 and in page 90, to delete lines 1 to 29 and substitute the following:
“(6) Without prejudice to the generality of section 96 or subsections (1) to (3) and subject to sections 99 to 101, and having regard to section 86(6), a Person...
Vol-219 Book-8 Page [723]
11/12/2012 [Bills] Is there a seconder for this amendment? No.[An Cathaoirleach]Vol-219 Book-8 Page [724]
11/12/2012 [Bills] This amendment provides for the replacement of the current section 99 with revised text that seeks to simplify the provisions. Section 99 sets out a number of protections for secured creditors in a personal insolvency arrangement. The claw-back mechanism provides that where secured debt ha...Vol-219 Book-8 Page [726]
11/12/2012 [Bills] The purpose of amendment No. 105b is to clarify the operation of this section with regard to the valuation of secured debt for the purposes of the section.[Shatter, Alan]Vol-219 Book-8 Page [731]
11/12/2012 [Bills] Amendments Nos. 112 and 124 are related and may be discussed together.[An Cathaoirleach]Vol-219 Book-8 Page [734]
11/12/2012 [Bills] Amendment No. 112 reduces the amount of credit that a debtor may seek without informing the creditor of the fact that he is party to a personal insolvency arrangement to €650. This is the same amount in the debt relief notice and debt settlement arrangement.
The purpose of amendment No. 1...
Vol-219 Book-8 Page [734]
11/12/2012 [Bills] I seek clarification.[Bradford, Paul]Vol-219 Book-8 Page [738]
11/12/2012 [Bills] The amendment has already been discussed.[An Cathaoirleach]Vol-219 Book-8 Page [738]
11/12/2012 [Bills] The query related to section 118 and the amendment provides some clarification.[Bradford, Paul]Vol-219 Book-8 Page [738]
11/12/2012 [Bills] Amendments. Nos. 121, 122, 122a, 123 and 126 are related and will be discussed together, by agreement. Is that agreed? Agreed.[An Cathaoirleach]Vol-219 Book-8 Page [738]
11/12/2012 [Bills] The purpose of amendment No. 121 is to provide that section 122, which deals with breaches of a debtor's obligations under a debt relief notice, will be broadened to also cover breach of obligations under a debt settlement arrangement or a personal insolvency arrangement.
Amendments Nos. 1...
Vol-219 Book-8 Page [739]
11/12/2012 [Bills] Amendments Nos. 128 to 130, inclusive, are related and may be discussed together, by agreement. Is that agreed? Agreed.[An Cathaoirleach]Vol-219 Book-8 Page [741]
11/12/2012 [Bills] Amendments Nos. 128 to 130, inclusive, are drafting amendments designed to allow for service of notices by ordinary prepaid letter rather than by registered prepaid letter as currently required by section 129. This change has been suggested by legal practitioners to address difficulties in ...Vol-219 Book-8 Page [741]
11/12/2012 [Bills] Amendments Nos. 131 to 133, inclusive, are related and may be discussed together, by agreement. Is that agreed? Agreed.[An Cathaoirleach]Vol-219 Book-8 Page [742]
11/12/2012 [Bills] At present, section 131 requires the Minister for Justice and Equality to prescribe the form of the prescribed financial statement to be used in applications for the new debt resolution processes provided for in the Bill. For flexibility, amendments Nos. 131 and 132 propose instead that the...Vol-219 Book-8 Page [742]
11/12/2012 [Bills] Amendment No. 134a is a technical drafting amendment to correct a presentational error in the text of section 133.[Shatter, Alan]Vol-219 Book-8 Page [742]
11/12/2012 [Bills] This amendment inserts ""trustee" to mean a person appointed as a trustee under Part V" to give greater clarity to the Bill.[Shatter, Alan]Vol-219 Book-8 Page [745]
11/12/2012 [Bills] This amendment corrects cross-references in the section.[Shatter, Alan]Vol-219 Book-8 Page [752]
11/12/2012 [Bills] I thank Senators for a very constructive and interesting debate on this Bill as it has moved through all Stages. I thank them for the issues they raised and hope issues of difficulty discussed in this Chamber are now fully addressed in the content of the Bill. Bringing the Bill to a conclu...Vol-219 Book-8 Page [754]
11/12/2012 [Bills] I thank the Minister for his kind words. Today was the 90th anniversary of the first Seanad and it was noted how many amendments have been tabled in this House in that period. This Bill is a case in point, where we have made a couple of hundred amendments in the course of a comprehensive d...Vol-219 Book-8 Page [755]
11/12/2012 [Bills] I thank the Minister and his hard working officials for their work in preparing the Bill, bringing it before the committee, the Dáil and the Seanad. It has been a long process and I hope the result of our deliberations will be an Act that will bring a degree of hope, certainty and optimism ...Vol-219 Book-8 Page [755]
11/12/2012 [Bills] I join in complimenting the Minister and his officials on completing this important and comprehensive legislation. This has been a lengthy but worthwhile process and the Minister has been especially helpful on all occasions, listening carefully and responding methodically and meticulously d...Vol-219 Book-8 Page [755]
11/12/2012 [Bills] I echo everything that has been said by my colleagues. Mr. Joseph Spooner of the Law Reform Commission estimates that between 1995 and 2009 the ratio of household debt to income increased from 48% to 176%. This is significant and necessary social legislation, which will make a contribution...Vol-219 Book-8 Page [755]
11/12/2012 [Bills] Question put and agreed to.Vol-219 Book-8 Page [756]
11/12/2012 [Bills] When is it proposed to sit again?[An Cathaoirleach]Vol-219 Book-8 Page [756]
11/12/2012 [Bills] Tomorrow at 10.30 a.m.[Bacik, Ivana]Vol-219 Book-8 Page [756]
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