Feb 19 2017 Posted: 14:15 GMT

The end of the Irish lending boom has left many individuals and families with unsustainable levels of personal debt.  The Centre for Housing Law, Rights and Policy (CHLRP) together with the ICELand the Open Society Justice Initiative has organised a series of seminars to examine how the Unfair Contract Terms in Consumer Contracts Directive (UCTD) and the Charter of Fundamental Rights might assist borrowers in debt related proceedings.  Based on the UCTD and the Charter, the CJEU has been developing the law in this area, which can be applied by the Irish courts.


  • Marguerite Angelari, Senior Attorney, Open Society Justice Initiative – The debtor as a consumer, an overview of the key provisions of the UCTD and relevant case law
  • Dr Padraic Kenna, NUI Galway –The key role of the Charter of Fundamental Rights in debt cases
  • Gary Fitzgerald BL, Director of the ICEL – Getting to the European courts, the role of the preliminary reference procedure in debt litigation
  • Madeleine Thornton, Solicitor– Putting this into practice – protecting consumer rights

Seminars have taken place in Dublin on 10th November,  2016, Galway on 25th November, 2016 and Cork on 7th December.

Upcoming Seminars:

  • Limerick - 22nd February 2017
  • Waterford - 23rd March 2017

For details and papers see the ICEL website.

Dr Padraic Kenna