Energy Action Fuel Debt Workshop Fuel Poverty Conference Dublin Castle 7 February 2011. Michael Culloty National Social Policy and Communications Officer MABS National Development Ltd. Outline Agenda. About MABS High level principles based on experience Utility debt .
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National Social Policy and Communications Officer
MABS National Development Ltd.
NB. If any one of the above is neglected the repayment plan will not be sustainable
Our approach: Arrears:
Where disconnection is part of a multiple debt problem – again, will usually be seen by Services and will be prioritised (this causes increased pressure on MABS Services)
If a single debt issue and threatened disconnection/ disconnected – again will usually be seen by Services but can in some cases be referred to the MABS Helpline
(However, disconnection is often a signifier of a bigger problem - income adequacy, vulnerability, fear)
MABS recognises a vulnerable consumer to be someone who for reasons of age, health or disability, the disconnection of gas or electricity presents a clear threat to their or a member of their household’s health or wellbeing
Note: Protocol focus is on process – but obviously the goal is to avoid disconnection
Government’s Expert Group Interim Report
The Group also recognises, in regard to personal debt, the existence and valuable contribution of the Irish Banking Federation - Money Advice and Budgeting Service Operational Protocol (IBF/MABS Protocol) on dealing with debt arrears, the ongoing review of this Protocol and the work being done to extend it to other branches of the credit industry. p 36
The Group recommends that pending the comprehensive reform of the
personal insolvency system in Ireland, that the following measures to
address the problems of personal indebtedness be adopted and facilitated:
The extension of the IBF/MABS Protocol to a wider group of creditors as
an important step towards ensuring that an individual’s debt difficulties
can be addressed in a standardised, mutually-satisfactory and holistic