Los bancos irlandeses se enfrentan a huelgas de hipotecas

[NosTrasladamus]

Para acabar con la estafa ("eso" que llaman "crisis") solo había que hacer 2 cosas: Sacar el dinero del banco (con lo que dejas exangüe a la banca) y no votar nunca mais a sus cómplices politicorruptos del PP$O€. El segundo objetivo no lo hemos logrado. Hay gente que sigue luchando por el primero. Pero mientras no sean más que los directamente afectados por la situación, los de arriba seguirán ganándonos sin mover un dedo con la vieja táctica del "divide y vencerás".

Hay que estar también muy alerta de lo que está pasando en otros paises en donde el FMI ha intervenido antes que aqui, para estar prevenidos de la que nos va a caer encima y preparar la resistencia con la mayor antelación e información posible y sería deseable también unir fuerzas con los ciudadanos damnificados por la estafa también en esos otros paises...

También sostengo que una salida satisfactoria a la crisis para todas las partes sería una reducción de las jornadas laborales y salarios (para evitar el monstruoso aumento del paro que se ha producido) y al mismo tiempo una prolongación del plazo de pago de los préstamos hipotecarios y una reducción de los intereses, que haga menos penosa la carga hipotecaria a los trabajadores (que, siempre que no se encuentren en un callejón sin salida -como lo es el desempleo- pagan religiosamente las "letras del piso") y al mismo tiempo garantice la solvencia de los bancos y el sostenimiento del sistema de seguridad social (pues no dejaría de haber millones de cotizantes ni se produciría la hemorragia al erario público que supone el pago de millones de prestaciones por desempleo que sirven para subsidiar el dumping laboral de la patronal y comprarles paz social por un tiempo -tiempo que se está agotando-).

Pero los oligarcas se han visto en una posición de fuerza y "lo quieren todo", sin embargo es una actitud  miope y cortoplacista (obterner el máximo beneficio en el mínimo plazo posible) que nos llevará al desastre ya que nos va a dejar una sociedad de estilo latinoamericano, desestructurada y llena de miserias y desigualdades, corrupción y delincuencia rampante, sin ninguna seguridad ni estabilidad en donde no merecerá la pena ni "ser rico".

La organización irlandesa New Beginning (Nuevo Comienzo) están decididos a movilizar a 250.000 propietarios que afrontan embargos con una amenaza de huelga de hipotecas a menos de que se encuentren "soluciones sostenibles". [] un año después de que el país se viera obligado a llamar en el Fondo Monetario Internacional (FMI), hay señales de que la gente se está defendiendo de nuevo y dirigiéndose a los odiados prestamistas con la "opción nuclear" de una huelga de hipotecas.

Irish banks face mortgage strikes | Business | The Guardian

Irish banks face mortgage strikes

Ireland's New Beginning is intent on mobilising 250,000 homeowners facing repossession


Graffiti in South Dublin on the IMF bailout of Ireland
Ireland's IMF bailout after the irresponsible bank lending of the 'Celtic Tiger' years has provoked intense resentment, as seen in this Dublin graffiti. Now the banks face organised opposition from New Beginning. Photograph: Cathal McNaughton/Reuters

It's been a tough time to be Irish. The boom years are a distant memory and now there's just austerity and a long haul back to recovery for a nation crippled by the reckless lending of its banks.

But, a year after the country was forced to call in the International Monetary Fund (IMF), there is a sign that the people are fighting back and targeting the hated lenders with the "nuclear option" of a mortgage strike.

Ross Maguire is the co-founder of New Beginning, a new de-facto trade union for Irish mortgage holders and those in debt distress with banks, which aims to recruit 10,000 members in a movement that has strong parallels with the Occupy protests that have swept through scores of countries.

"The nuclear weapon is for borrowers acting in concert and to say that unless proper and sustainable solutions are put in place which are fair and reasonable, then we should not continue to pay under these current conditions," he says. So does this mean a "mortgage strike" under the New Beginning banner similar to the "rent and rates strike" by nationalists in Northern Ireland protesting against internment without trial in 1971?

"It is radical but it is where we are going if things don't change. It's the last option but it is better that people like us have control over it because the danger is that if that kind of people power was misdirected it could wreck the financial system. New Beginning doesn't want to smash the financial system; we merely want to reform it and re-balance power between banks and borrowers."

With more than €70bn (£60bn) of taxpayers' money already transferred into the banks to save them from collapse and public fury intensifying after the banks refused to pass on a cut in interest rates by the European Central Bank two weeks ago, Irish people are bracing to pay a further price for the bailout. Next month the Fine Gael-Labour coalition will introduce yet another austerity budget aimed at driving down Ireland's national debt and satisfying the IMF that the government is getting the nation's finances in order.

Many blame the fiscal crisis on the banks' reckless lending to property developers – the same banks that are refusing to cut interest rates and threatening to repossess thousands of people's homes. New Beginning estimates that up to 250,000 homeowners could be in mortgage-distress.

The quiet 42-year-old who launched this crusade against the banks from his office in a trendy building near Dublin's Smithfield Market area is a barrister. But Maguire is the antithesis of the public perception of well-heeled "silks" in wigs and gowns: he doesn't charge fees for families with distressed mortgages who are fighting to keep their homes.

After working at the Dublin bar since returning from a successful legal practice in the City of London in the 1990s, Maguire noticed how skewed Irish law is towards banks as opposed to their borrowers. A person declaring bankruptcy in Ireland will be in financial and credit purdah for 12 years, Unlike Britain's 12 months.
Hostility

Now he and New Beginning are emerging as lightning rods for the anger of an entire nation towards the banks that they believe helped bust Ireland. Other more sinister forces have tried to tap into the widespread hostility towards the banking system. The Real IRA recently confirmed that they had bombed three banks in Northern Ireland in response to complaints within the nationalist community about threats to re-possess homes. The terrorist group has warned of further attacks on banks and bankers. Maguire and his group, however, offer a legal, non-violent but direct action alternative to challenge bankers' power.

His own epiphany came last year when he and two colleagues heard of a client who had fallen foul of the banks. "A man came to us who had a loan with the Irish Nationwide building society, which subsequently was forced to merge with the Anglo Irish Bank. He got his file under the Data Protection Act and discovered that the Irish Nationwide had created a completely new version of him for their credit committee!

"They had changed his occupation. They had given him a salary far higher than his actual one of €30,000 – in fact, they said he was now earning €60,000. They had changed the grade he worked at in his job to a higher one. They had even forged not only his signature but also his employer's. It was incredible in terms of sharp practice. This was all so they could lend him more and more money during the boom.

"We thought to ourselves that if this happened once across the state it was happening all over. It was then that we realised something needed to be done to check the power of the banks and that it had to be done collectively."

Before they opt for the "nuclear option", Maguire stresses that New Beginning has devised a practical plan to reform the mortgage payment system that will, he claims, help the banks as much as the people. They have proposed to the government an "income annuity mortgage". It would mean a homeowner in difficulty paying a €1,000 a month mortgage could cut that to €700. If things improved, the payments could be raised to, say, €1,500.

But would the banks accept such a system, which would entail stretching out mortgage payments for longer?

"The Irish banks don't think we are serious," Maguire says, "but just wait."

New Beginning are about to go on a nationwide recruitment tour and Maguire compares the emerging social movement to the Irish Land League of the 19th century, which successfully gained land for the country's peasantry, or the trade unions of the early 20th century led by socialist stalwarts such as James Connolly and Jim Larkin.

"When we get over 10,000 members, each paying a levy of just €15, we will see who is serious. We are offering a fair solution for all concerned, including the banks, but if ultimately they reject it there is the nuclear option of a payment strike. Individually, people go in mortal terror to meet their banks but together in a national movement they won't be in such a weak position."
Disgusted

Maguire says they are not firebrand radicals hellbent on destroying the system. "Why throw a brick through a bank window? They will just replace the glass the next day," he points out.

However, the barrister says they could link up with others in Northern Ireland and Britain, such as the Occupy movement and UK Uncut, who are equally disgusted at the banks' behaviour during this long recession.

"Two of the taxpayer-rescued banks in Ireland – the Bank of Ireland and First Trust [Allied Irish Banks' UK operation] – have a big presence in Northern Ireland. We would like to help out borrowers who are under pressure from these banks up there too.

"And I don't see why we couldn't see the establishment of a New Beginning force on the other side of the Irish Sea. We would like to speak to groups like UK Uncut and Occupy over there to help each other and explain some of our ideas for re-balancing the power between bankers and borrowers."

He suggests his organisation could provide a model on how to reform banks and reduce their power to threaten customers further across the globe.

"There is widespread discontent across the 'Anglosphere' and elsewhere regarding the banks. We are offering practical solutions on the one hand and the right of borrowers to organise and deploy the ultimate, last weapon of resort on the other."

"We want to establish an Obama-style grassroots movement that is financed from the bottom up. The Land League worked this way and took on the powerful Anglo-Irish aristocracy and won.

"The trade unions gave Irish workers power they never had before thanks to Connolly and others. This is a 21st-century struggle to re-balance power in favour of people. Whether in Britain or Ireland, we can find the power to turn off the banks' oxygen if they won't change their ways."

[pollo]

A ver cuando dejan de usar la puñetera palabra "sostenible" y la cambian por otra mucho más realista y elocuente: "viable".