Abusive lending ruins lives and leads to human rights violations.

Why abusive lending persists and its impact

Abusive lending persists because it is profitable. National courts routinely enforce lending contracts without determining whether lenders have engaged in abusive lending practices. While these practices continue, abusive lending will persist. The following are the key impacts of the practice.

What is abusive lending

Abusive lending can manifest itself in various loaning practices and at different phases of the lending process.

Human Rights

Abusive lending may lead to violation of a range of human rights, including the right to human dignity, the prohibition of inhuman and degrading treatment

Excessive indebtedness

Abusive lending contributes to excessive indebtedness.

News & Analysis »

New Updated Guide for People in Mortgage Distress Can Help Thousands of Families Still Living with Legacy of Mortgage Crash

  A new, updated Guide, published today, could help 20,000 Irish families still in mortgage distress, many as a continuing legacy of the crash of 2008.  

  • Principle of proportionality, Unfair contract terms

Solicitor Says New High Court Judgment Offers “Ray of Hope” to Mortgagors in Arrears

  In an op-ed penned for the Irish Examiner, Julie Sadlier, a solicitor who has been working with people in mortgage distress facing the prospect of home repossession, writes that a recent High Court judgment offers a “ray of hope” for borrowers.

  • Principle of proportionality, Unfair contract terms

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