David Hall was one of the co-founders of New Beginning in 2010. In July 2012, David and other concerned citizens established the Irish Mortgage Holders Organisation (IMHO) to help consumers tackle the increasing burden of personal debt. In addition to IMHO, David owns and runs Lifeline Ambulance Service, David founded the Make-A-Wish Foundation in 1992 and was its voluntary CEO for 10 years. David was president of the international organisation of Make-A-Wish from 1999 to 2001. David also chaired the Board of the Marie Keating Foundation from 2001 to 2011 and is a current Board member of the Beaumont Hospital Foundation.
Over the past 3 years David has been to the forefront on a National basis in advocating on behalf of those in mortgage and personal debt. David has significant experience and success in negotiating deals with banks on behalf of debtors.
Dr. Constantin Gurdgiev is the Adjunct Professor of Finance with Trinity College, Dublin. He currently serves as the Chairman of Ireland Russia Business Association, and holds non-executive appointments on the Investment Committees of GoldCore Ltd (Ireland) and Heinz Global Asset Management, LLC (US). He also lectures in the Smurfit School of Management, University College Dublin and is research-active in macroeconomics and finance, as well as economic policy analysis.
In the past, Dr Gurdgiev served as the Head of Research with St Columbanus AG (Switzerland), the Head of Macroeconomics with the Institute for Business Value, IBM, Director of Research with NCB Stockbrokers, Ltd, and Director and the Group Editor of Business & Finance Publications. Born in Moscow, Russia, Dr Gurdgiev was educated in the University of California, Los Angeles, University of Chicago, Johns Hopkins University and Trinity College, Dublin. Dr Gurdgiev serves as a Patron of the Phoenix Project and a Director of Irish Mortgage Holders Organisation Ltd.
Stephen is a financial adviser with over 7 years lending and financial services experience. He has worked in Corporate Banking, Treasury and Property lending in Ulster Bank, Barclays in the UK and with AIB in Dublin. At IMHO he specialises in debt advisory, insolvency and negotiation for mortgage holders and commercial borrowers in distress.
Stephen holds a B.Comm from UCD & a QFA from the Institute of Bankers in Ireland. Stephen Curtis is authorised by the Insolvency Service of Ireland to carry on practice as a personal insolvency practitioner (license number PB00088)
Lucy has been active in public affairs for sixteen years. A partner of Instinctif Partners, Lucy has a proven track record in implementing successful lobbying campaigns at both EU and national level and manages a wide-range of pan-European trade associations across all Policy Action practice areas. A Trinity College Dublin graduate (BA in Modern European Studies), Lucy holds a Masters in International Politics from Université Libre de Bruxelles.
Prior to engaging in the public affairs industry she worked at the Secretariat of the Council of the EU, in the trade and competition practices of the Coudert Brothers Brussels office.
Expertise: EU and member state policymaking, IT & entertainment, health, financial services and energy. Language capabilities: English, Irish, French, German, Dutch.
Tracy is a Solicitor, qualified since 2001. Her background is in general practice, but she spent many years specialising in commercial property, acting for both purchasers and vendors; landlords and tenants. After volunteering with Debt Advocacy group New Beginning in 2010 she established Mullan & Associates Law Firm which was dedicated to assisting people who found themselves before the Courts because of mortgage debt. Initially, the Firm dealt almost exclusively with individuals whose homes were being repossessed by the banks. In 2012 she helped to establish the IMHO with David Hall and other concerned citizens. Tracy has first-hand experience of helping people who are having difficulties with their mortgage and with dealing directly with the banks to find a solution. Mullan & Associates provides a full legal service. It has a department dedicated specifically to dealing with people who are in difficulty with their mortgage. The Firm also provides a full suite of legal services, including litigation (both commercial and general), conveyancing, landlord & tenant, wills & probate. Tracy is a Director of IMHO.