Mortgage holder in arrears tells court of ‘thug’ sent by lender

A KILKENNY woman who faced a repossession order in the High Court on Monday told the court that a representative of her mortgage lender had been verbally abusive after she and her husband fell into arrears on their repayments.

A KILKENNY woman who faced a repossession order in the High Court on Monday told the court that a representative of her mortgage lender had been verbally abusive after she and her husband fell into arrears on their repayments.

She told the judge that, after contacting her lender Nua Mortgages Ltd in January 2009 to explain that the couple was running into financial trouble, the lender then sent “a thug to frighten and intimidate” her. She said her husband was not present at the meeting at their Kilkenny property.

She told the court that her solicitor had to physically push the man off the property because “he was so aggressive,” according to a report in The Irish Times.

A letter from her then-solicitor William Clarke of Clarke Jeffers Co, which was included in the court documents, said the representative had used “abusive language and obscene profanities” and was physically threatening.

The couple had borrowed €192,000 to refurbish the house, which was uninhabitable at the time, but upon realising that it required further work than they originally thought, they sought an additional loan but were refused. As they struggled to make repayments on their mortgage, their arrears climbed to €48,000.

Ms Justice Elizabeth Dunne granted the order for repossession of the house, but she did not award costs to the lender.