Serious comment and information for your perusal and for your consideration based on a personal experience.

Are they fully qualified and what is their mean age?

What experience do they have and how long are they working in this sector?

What motivates them to do SO MUCH HARM and CAUSE SO MUCH STRESS and DEPRESSION to other citizens who are already under severe stress, depression and living in total daily fear and hardship with no end in sight?

Are they working under any form of bullying, duress, pressure, stress, meeting target objectives, with an ultimate fear of losing their jobs, from previously inept management still at the helm or otherwise involved?

Are these workers under so much pressure that they make mistakes likely to have grave outcomes for citizens in financial distress and suffering from severe depression?

Are all of these workers fully vetted from a security perspective? Did they ever work for other financial institutions in Ireland or abroad?

Do they have any conflicts of interests viz-a-vie their employ?

How can affected citizens feel happy and be fully assured that their identity security, privacy, business secrets and other personal, confidential, sensitive information expected to be submitted by them on a Standard Financial Statement (SFS) will be kept safe and secure? How can citizens be fully assured that credible security, data protection and other norms are constantly maintained safely, securely and away from prying eyes that could otherwise benefit by the critical information expected to be submitted on an SFS? How can citizens be sure their personal confidential information that people working in these institutions, and God knows where else they worked will not illegally make use of such information. How do they know who will actually see this information. Whose laptop, iPad, tablet, computer could it end up on? Such devices are regularly stolen – most unreported or the data was hacked, as is the norm nowadays because totally inadequate communications security is in place.

Are Standard Financial Statements a means of extracting inappropriate information about citizens while they are under extreme stress, depression and duress?

Outside agencies/organisations purporting to be assistive to citizens in fiscal distress should be avoided like the plague once they insist on fully completing an SFS! The financial institution will tell you YOU MUST fully and accurately complete an SFS before they can begin a process with you and assist you. THAT IS A LIE! YOU WILL NEVER RECEIVE ASSISTANCE. AT THE END OF THE DAY YOU WILL STILL HAVE TO PAY EVERYTHING BACK RIGHT DOWN TO THE LADST CENT OF ANY ADDITIONAL INTEREST ACCRUED. THEY HAVE NO ASSISTANCE TO GIVE YOU.

Despite what they say Banks in particular in Ireland are still not fully financed – more lies by an already totally untrustworthy financial organisation.

What they actually mean by helping you is to get you to incur and accrue much more interest!

They will take your home anyway, a process that is being more easily provided for by your elected representatives in government.

NEVER complete a full SFS and never submit documentary evidence in support of it. Instead make a statutory declaration. The EU and World court will back you up on this!

Are employees of banks, building societies and other financial institutions totally satisfied with their employment conditions and do they have faith, fear, loathing, contempt for any person/s in management? Are appropriate records of staff disputes maintained?

What training have they received and are they assessed on it afterwards by management before its put into use to be absolutely sure they can properly apply the indoctrination in daily chronic stressful situations that WILL arise?

Have they been programmed with selective hearing processes when speaking to the ordinary citizen victims of the very severe fiscal fiasco and recession in Ireland? Does the citizen have an unfair disadvantage here?

Note how people you speak to on such serious matters to you, zero in on certain remarks you may make and force you onto their narrow viewpoint – a form of bullying. Make a complaint to the Garda Síochána if this is done persistently.

Citizens should record all telephone conversations in the same manner as the financial institutions, notifying the person you speak with accordingly and of course complying with Data Protection legislation.

Citizens should also satisfy themselves as to the authenticity of the person with whom they are speaking and take whatever measures are necessary to do so.

Do any of them have actual personal experience / knowledge as to what it is like to be in financial difficulties with a prospect of losing one’s home and household, not having proper food and the total disruption to normal family life, as expected in the Constitution of Ireland? Does their training and assessment after training prepare them adequately on how to deal with such distressed citizens?

Are they aware that what they say to citizens might cause a citizen to commit suicide or commit self-harm?

Are any of these employees of banks and other financial institutions in personal financial difficulties themselves and have they declared such to their employer? Are they aware that any one of more senior management is also in financial distress?

Are such employees who have no financial difficulties made fully aware of what it actually feels like to be in financial difficulties and are they trained accordingly if not?

Are any resolution cases sub-let to any other outside financial organisations?

How is such process engineered and is the client fully informed? Are there any guarantees as to privacy and confidentiality?

Do any of these employees use their personal social media accounts such as Facebook, Twitter, LinkedIn, G+1 etc., to access the social media accounts of victimised people/clients they are investigating/dealing with for any type of information? Have they received instructions to do so from anyone? Are they aware that it is in breach of privacy, data protection and the rules governing acceptability for the use of such social media?

Are any members of senior management of Financial Institutions in financial difficulties and have they declared such?

Are any politicians, within/without government in serious financial difficulties and have they properly declared same?

Are any Judges in Ireland in serious financial difficulties and have they declared such? Remembering they had such a glut of money during Celtic Tiger {(Gaeilge – Tíogar Ceilteach)} times and heavily invested in property and construction, all or most of which they have lost.

How many Judges are presently operating within the confines of a very high conflict of interest? referring to the Irish economy between 1995 and 2008.

Is this matter of the intricate/delicate/life threatening procedures undertaken in the practical day-to-day methodology of the young men, women employees / agents of financial institutions engaged in mortgage arrears processes and other financial difficulty procedures fully assessed or generally evaluated by the Financial Regulator, the Banks and the Government? Do they care?

What effect does untrained and immature individuals have on citizens in dealing with them when they are already suffering grave stress and psychological damage because of indebtedness or otherwise and inability to meet payments, bearing in mind that they have already had to bail out the banks and the state and have been forced by acts of parliament to have earnings such as pay and pension entitlements reduced so drastically.

Are indebted financially overburdened citizens being taken unfair advantage of in favour of austerity measures?

The harsh fiscal penalties grow in the form of interest and adverse credit ratings the more one becomes indebted when in the first instance it is not the fault of most so afflicted by financial difficulties. This is a further cause of unbearable stress. No point in saying people lived beyond their means when they were goaded into such processes by previous government and financial institutions.

In diverting slightly from the main topic, there follows comments that also have some bearing.

Are we minding too many non-nationals, non-eu nationals who have never paid taxes, social subscriptions or done anything for this country accept scrounge off the backs of and totally insult and treat with contempt the hard-working people who reside in and work hard in Ireland.

How are you going to greet the next politician that calls to your HOUSEHOLD?

Do you trust politicians generally? I already know your answer to that is a resounding NO!

Therefore do you think it TOTALLY UNREALISTIC, CORRUPT and an affront to sane state citizens that SELF-INTERESTED politicians you would not trust as far as you could throw should be allowed to govern a nation? Simply does not add up or make sense!

Is the black market in Ireland booming?

Is it time for a new type of financial institution free from government, banking, EU, IMF, and any other type of autocratic regulation?

Remember, the people are sovereign!

End.

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