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THE MASTER OF the High Court has warned that thousands of people coming through the courts may lose their homes if stronger legal supports are not put in place to help them when they face off against banks and vulture funds. Edmund Honohan had a number of cases on his list on Wednesday in relation to possession orders on family homes. Over the course of the morning, he criticised the banks for aggressively pursuing family homes, butted heads with the barristers defending them and highlighted failings at Circuit Court level where the possession orders had been granted – in many cases without any detailed consideration of the loan terms or the circumstances of the debtors.
In the majority of cases, the people on the Master’s list were representing themselves in court. One of these lay litigants was Caroline O’Toole, a mother of two young children who lives in Carlow. A possession order on her home was granted by the Circuit Court in April last year, but there was a stay on it for nine months to allow O’Toole to engage with the Money Advice and Budgeting Service (Mabs). She told Honohan that she believed the judge had taken pity on her that day as she was pregnant at the time and was “very emotional”. KBC Bank Ireland was directed to contact her and engage in talks during that time.
I did everything that was asked of me, I have been trying to pay €650 per month but they have refused to deal with me. She said the bank waited until the nine months the Circuit Court judge had given them to try to reach a deal were almost up before contacting her. Honohan read out parts of the letter KBC sent the woman, laughing at the bank’s wording as he got to the part about the bank wishing to “stress the importance of active engagement”. O’Toole told the court that she met with one of the bank’s support officers at her home in January this year and that she was told she would “just have to get another mortgage for €300,000″. The mother-of-two, who works for the HSE, said she can afford to pay €650 and she provided Honohan with a standard financial statement from Mabs. She explained that she and her then partner had taken out the mortgage in 2007 and that he was made redundant the day they moved into the property. 64-bit download windows 7. “In 2009 he developed a drinking problem and I kicked him out,” she said.
She told Honohan she had been “struggling on her own” to pay the mortgage and had been asking for a split mortgage since 2015. “I’m not offering them a pittance, I’m offering them €650.”. This is about whether society has a pressing need to evict 10,000 people. That’s one thousand times today’s list, one thousand days like this. Honohan said 10,000 was the minimum figure, because the banks appear to have a “pressing need” to evict debtors in arrears from their homes. Legal advice The High Court Master also heard from another lay litigant who told him her husband had mortgaged their family home for the last 32 years without her knowledge – and had forged her signature – four months before they separated. He is also named in the proceedings, but she said she has not had any contact with him since 2002.
“My husband got it the loan on the pretext of doing up the home and used it for his own business venture,” she said. The woman said she had never made a payment on the loan.
I only became aware of it when I started getting papers from KBC bank. She told the Master that the provision of legal aid would be helpful. He agreed to extend the time for her to file a notice of appeal to the possession order on her home. “Two months to consult Abhaile, who will give you €200 of legal advice,” he said. This scheme offers vouchers to struggling debtors who can then visit a solicitor or legal adviser.
However they are usually only covered for one or two advice meetings and still have to represent themselves in court unless they can afford to pay for a solicitor and barrister for their proceedings. Honohan has previously described the scheme as “a scam” that was only set up so the government could avoid having to fund a proper legal aid system for repossession cases. In February it was a “sick joke” that people at risk of losing their homes were being directed to this service under the impression that it would offer a solution. ‘Is this all above your head?’ He had started his morning by refusing to continue until a barrister for Bank of Ireland did the maths on his yellow legal pad to add up the amount of land in six folios the bank was attempting to gain possession of.
Later, he raised his voice as he told barristers at the front of his court to make room for a lay litigant, Mary Fahy, to sit among them so she should be on a more equal footing. “She’s entitled to sit in the front row,” he told them. Honohan questioned whether, under the European Charter of Human Rights, he could allow the case to proceed without the provision of legal aid for the woman. “Is this all above your head?” he asked her after a back-and-forth with the bank’s barrister.
“Most of it,” she replied. He asked whether the judge in the Circuit Court who granted the possession order on her apartment in Galway had read her mortgage contract and told her there were no unfair terms in it. “No.” He asked whether the judge in Circuit Court had spoken to her about her domestic circumstances. “No.” He asked whether the judge had asked her how much she could afford to pay the bank. “No.” The bank’s barrister was keen to push ahead with the case “on an expeditious basis”, despite the woman’s request for more time.
“Why does it need, for society to operate, for this matter to be dealt with expeditiously?” Honohan asked. “Why do you need the house?” In each of the cases before him Wednesday morning, Honohan granted a time extension for the lay litigants involved. But he pointed out that this was as much as he was able to do, and once they moved to the judges’ list, they would be on their own again in the battle with the banks and their teams of barristers. Embed this post To embed this post, copy the code below on your site 600px wide 400px wide 300px wide.
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The Fermilab NOvA neutrino experiment announced that it has seen strong evidence of muon antineutrinos oscillating into electron antineutrinos over long distances, a phenomenon that has never been unambiguously observed. Image: Sandbox Studio For more than three years, scientists on the NOvA collaboration have been observing particles called neutrinos as they oscillate from one type to another over a distance of 500 miles. Now, in a new result unveiled today at the conference in Heidelberg, Germany, the collaboration has announced its first results using antineutrinos, and has seen strong evidence of muon antineutrinos oscillating into electron antineutrinos over long distances, a phenomenon that has never been unambiguously observed.
NOvA, based at the U.S. Department of Energy’s Fermi National Accelerator Laboratory, is the world’s longest-baseline neutrino experiment. Its purpose is to discover more about neutrinos, ghostly yet abundant particles that travel through matter mostly without leaving a trace.
The experiment’s long-term goal is to look for similarities and differences in how neutrinos and antineutrinos change from one type — in this case, muon — into one of the other two types, electron or tau. Precisely measuring this change in both neutrinos and antineutrinos, and then comparing them, will help scientists unlock the secrets that these particles hold about how the universe operates. NOvA uses two large particle detectors — a smaller one at Fermilab in Illinois and a much larger one 500 miles away in northern Minnesota — to study a beam of particles generated by Fermilab’s accelerator complex and sent through Earth, with no tunnel required.
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The new result is drawn from NOvA’s first run with antineutrinos, the antimatter counterpart to neutrinos. NOvA began studying antineutrinos in February 2017. Fermilab’s accelerators create a beam of muon neutrinos (or muon antineutrinos), and NOvA’s far detector is specifically designed to see those particles changing into electron neutrinos (or electron antineutrinos) on their journey.
If antineutrinos did not oscillate from muon type to electron type, scientists would have expected to record just five electron antineutrino candidates in the NOvA far detector during this first run. But when they analyzed the data, they found 18, providing strong evidence that antineutrinos undergo this oscillation.
“Antineutrinos are more difficult to make than neutrinos, and they are less likely to interact in our detector,” said Fermilab’s Peter Shanahan, co-spokesperson of the NOvA collaboration. “This first data set is a fraction of our goal, but the number of oscillation events we see is far greater than we would expect if antineutrinos didn’t oscillate from muon type to electron.
It demonstrates the impact that Fermilab’s high-power particle beam has on our ability to study neutrinos and antineutrinos.” Although antineutrinos are known to oscillate, the change into electron antineutrinos over long distances has not yet been definitively observed. The T2K experiment, located in Japan, announced that it had observed hints of this phenomenon in 2017.
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The NOvA and T2K collaborations are working toward a combined analysis of their data in the coming years. This display shows, from two perspectives, an electron antineutrino appearance candidate in the NOvA far detector. Image courtesy of Evan Niner/NOvA collaboration “With this first result using antineutrinos, NOvA has moved into the next phase of its scientific program,” said Associate Director for High Energy Physics at the Department of Energy Office of Science Jim Siegrist. “I’m pleased to see this important experiment continuing to tell us more about these fascinating particles.” NOvA’s new antineutrino result accompanies an improvement to its methods of analysis, leading to a more precise measurement of its neutrino data. From 2014 to 2017, NOvA saw 58 candidates for interactions from muon neutrinos changing into electron neutrinos, and scientists are using this data to move closer to unraveling some of the knottiest mysteries of these elusive particles. The key to NOvA’s science program is comparing the rate at which electron neutrinos appear in the far detector with the rate that electron antineutrinos appear.
A precise measurement of those differences will allow NOvA to achieve one of its main science goals: to determine which of the three types of neutrinos is the heaviest and which the lightest. Neutrinos have been shown to have mass, but scientists have not been able to directly measure that mass. However, with enough data, they can determine the relative masses of the three, a puzzle called the mass ordering. NOvA is working toward a definitive answer to this question.
Scientists on the experiment will continue studying antineutrinos through 2019 and, over the following years, will eventually collect equal amounts of data from neutrinos and antineutrinos. “This first data set from antineutrinos is a just a start to what promises to be an exciting run,” said NOvA co-spokesperson Tricia Vahle of William & Mary. “It’s early days, but NOvA is already giving us new insights into the many mysteries of neutrinos and antineutrinos.” For more information on neutrinos and neutrino research, please visit. The NOvA collaboration includes more than 240 scientists from nearly 50 institutions in seven countries: Brazil, Colombia, Czech Republic, India, Russia, the UK and the United States.
For more information visit the experiment’s website. Fermilab is America’s premier national laboratory for particle physics and accelerator research. Department of Energy Office of Science laboratory, Fermilab is located near Chicago, Illinois, and operated under contract by the Fermi Research Alliance LLC, a joint partnership between the University of Chicago and the Universities Research Association Inc.
Visit Fermilab’s website at and follow us on Twitter. DOE’s Office of Science is the single largest supporter of basic research in the physical sciences in the United States, and is working to address some of the most pressing challenges of our time. For more information, please visit.