I move amendment No. 1:
In page 9, to delete lines 6 and 7.
A lot of this section is worthy of merit. It is correct that this amendment be made to this section, which states:
(1) It shall be an offence for any person who, with a view to gain for himself or another or with intent to cause loss to another, makes any unwarranted demand with menaces.
(2) For the purposes of this section—
(a) a demand with menaces shall be unwarranted unless the person making it does so in the belief—
(i) that he has reasonable grounds for making the demand, and
(ii) that the use of the menaces is a proper means of reinforcing the demand;
I have no problem with the normal procedures which are available. If a debt is due, the person concerned should be asked to pay the amount within a certain number of days. If the money is not repaid the person owed the money should go to a solicitor, who will then write to the person concerned stating that a debt is due and that court proceedings will be issued. This is sensible in a democracy.
If a debt remains unpaid a judgment will be registered against the person concerned and an execution order lodged with the sheriff for collection. However, he may be unable to collect if there are no assets. Often a charge is registered on such a property. Meanwhile, interest on the debt will continue to grow. I support these procedures. However, I would be wary of this subsection in circumstances where an individual is unable to repay a debt because it will allow people to use a heavy-handed tactics to collect that debt.
We are introducing legislation to try to control moneylenders. Their conduct and the way they collect debts in places such as Dublin, Limerick and elsewhere is scurrilous. They intimidate, attack and threaten defenceless and vulnerable people. This section will allow people such as moneylenders to use unwarranted menaces to collect money. If we allow this subsection to be included in the Bill it will give these people a blank cheque to use whatever methods they wish.
I saw the conduct of those collecting debts and the physical damage done to property when debts were being collected. I believe the Minister will say that when a debt is due the Garda Síochána will evict someone from a house or they will use force to enter a house or property to take goods to repay the debt. These are heavy handed tactics. The danger is that people will not avail of the services of the Garda Síochána to help them collect debts. They will use their own menaces to collect the debts that are due. This is a wide and dangerous area. It is not right that people, irrespective of who they are, should be entitled to use menaces, particularly towards people more vulnerable and weaker than themselves. The Bill is providing this entitlement.