Welcome to the Irish Mortgage Holders Organisation!
Thursday 23rd January 2020
If debt is causing you stress; the good news is, you don’t have to manage on your own. We are the only not for profit organisation in Ireland to offer all options of debt solution; including informal arrangements, insolvency arrangements and a free bankruptcy service. Last year we arranged solutions for over 2,500 people in difficulty
lo call 1890 623 624


IMHO in the News

In the last number of weeks there has been significant media and political attention on the issue of debt, housing and especially repossessions. IMHO has been for a number of years a leading national voice for debtors and has sought to advocate for fairness in the treatment of debtors against rigid banks and dis-interest by Government in forcing meaningful resolution of debt to take place. Some recent articles are below: Proposal for Government to fund split mortgages:...

David Hall interviewed on Morning Ireland

David Hall, CEO of the Irish Mortgage Holders Organisation, was interviewed on Morning Ireland on 7th April. David discussed proposals that IMHO made to the Department of Finance to help resolve the current debt and housing crisis. To listen back click here

IMHO Client speaks about failure of Mortgage to Rent and facing repossession

Recently on Claire Byrne Live David Hall, CEO of the Irish Mortgage Holders Organisation, appeared with two of our clients to discuss failures in the Mortgage to Rent scheme that has led to them facing repossession proceedings. Their interview, and story, is available here: http://www.rte.ie/news/player/2015/0126/20717299-why-rising-house-prices-could-lead-to-more-repossessions/ In addition an article by David Hall on how mass repossessions could be avoided and the steps to prevent this...

Interview with Chris Lehane, Official Assignee in Bankruptcy

In today's Irish Times the Official Assignee in Bankrupcy, Chris Lehane spoke with Ciaran Hancock and David Hall about bankruptcy. Chris Lehane spoke about the reduction in bankruptcy fee's to €270 along with how bankruptcy operates and the power of the official assignee. The article and podcast is available here: http://www.irishtimes.com/business/financial-services/numbers-to-be-declared-bankrupt-set-to-double-says-official-1.2091491 The Irish Mortgage Holders Organisation...

Disneyland advice given to debtors torn apart by high court ruling

Many involved in helping those in debt have been deeply troubled by advice given to those in great financial distress and trying to deal with their bank. Some individuals and organisations have been advocating to borrowers that they take on the banks with various arguments that sound plausible but in fact lack any legal basis or precedent. Indeed some of these Disneyland characters charged for this help. The judgement from the President of the High Court , link below, clearly deals with the...

How do we prevent mass repossessions of family homes?

The challenges for those in debt have been well debated through all forms of media over the past six years.  Politicians were advised that despite a slow start there were tools to tackle the issue of mortgage and personal debt and all will be well. Those tools included the creation of an Insolvency service, Mortgage to Rent, reduction in Bankruptcy term from twelve years to three years and the Central Banks Mortgage Arrears targets. Each of these has failed to tackle the tsunami of...

Debt Solutions Tour – Book a FREE Meeting Now

Following on from the huge success of our programme in November 2014, and following a number of requests from our clients, the Irish Mortgage Holders Organisation are delighted to launch new dates and venues for our Debt Solutions Tour in conjunction with our insolvency partners, Grant Thornton. In November 2014, over 4 venues, we met over 450 people, free of charge, for one to one meetings to provide advice and guidance in relation to solutions to resolve personal debt issues. We are now...

How to do a deal with your bank

Article by David Hall in Sunday Business Post, 9th November 2014 Last week we announced 1330 long term sustainable deals done with AIB Group in the past 11 months, which includes EBS and Haven mortgages on behalf of distressed mortgage holders. This was following an initiative with AIB where we provided an independent, impartial and free service to residential mortgage holders who were in arrears on their mortgages. We had the same project with KBC Bank and will shortly release very good...

IMHO release AIB Project statistics to 24th October 2014

Tuesday, 4th November 2014   IMHO INITIATIVE TO ASSIST DISTRESSED HOMEOWNERS PROVES A MAJOR SUCCESS   Pilot scheme extended by a year as 1,330 long term resolutions reached   The Irish Mortgage Holders Organisation (IMHO) today announced it had agreed 1,330 long-term resolutions for people in mortgage arrears under a pilot project conducted with the AIB Group.   The pilot scheme, announced a year ago, allows homeowners in difficulty with their...

The Insolvency Service 1 year on – major changes are needed for it to work

Last week the Insolvency Service of Ireland celebrated its first birthday – albeit probably a very muted celebration when one considers progress to date. In Q2 2014 just 30 DSA’s and 27 PIA’s were completed. These figures were heralded in some circles as significant progress but in the context of 100,000 people in mortgage arrears, it is pathetic.The problem citizen’s face is too serious to be just complaining about a failed insolvency system, it requires constructive and workable...
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