UNPAID SERVICE CHARGES: AN UNFAIR BURDEN ON COMPLIANT PROPERTY OWNERS
The successful working of a management company is dependent upon the co-operation of all members. Without this there is an imbalance of responsibility, as is the case with the significant number of property owners who are neglecting to pay their service charges, placing an additional financial burden on compliant property owners who participate in their management company. The Multi-Unit Development Act 2011 promised further protection for property owners, however no amount of legislation or mediation will recover debts due by bankrupt property owners in the short-term.
Fifteen years ago apartments were a relatively new phenomenon in Ireland. As the addiction to property took hold, apartments in which the operation and maintenance of the structure and grounds are overseen by a management company were purchased in multiples by investors, many of whom are now delinquent in their duties as members of these management companies. These duties include the legal obligation to pay the annual service charge that goes toward the smooth running and maintenance of the property. This obligation is increasingly difficult for the compliant property owners saddled with the additional burden of new taxes introduced in the government’s recent budgets and austerity packages.
The situation is further exacerbated as there is little or no recourse for the compliant property owner. With the exodus of the property developer from almost all sites around the country, including finished and unfinished developments, property owners have had to put their hands in their own pockets to ensure basic and necessary utilities are provided and common areas are finished to acceptable standards. These abandoned responsibilities include finishing installations of the sewerarge treatment plants, laying tarmac surfaces and landscaping. In addition to these unexpected costs, now property owners are forced to contend with the legacy of debt in their management company by the reckless investor.
An apartment block in a small and vibrant country town with 30 apartments built under the Section 23 Tax Relief Scheme in 2005 attracted such wayward investors. The town was home to hundreds of young foreign construction works all looking for rented accomodation. One investor borrowed 100% of the finance and paid circa €200,000 per apartment. Services Charges were paid in the first year as this was a condition of sale. But for six years now this property owner has not paid any service charges. Once the econonmic crisis hit and the construction work dried up, the workers left the town leaving behind them an excess of vacant property combined with the oversupply of newly constructed developments. Today these apartments lie vacant, in such a 'Section 23' location. The recent census results showed that this region has the highest overall property vacancy rate in the country with over 30% of property vacant.
To complicate matters even further, the above investor is ‘in NAMA’. What does ’in NAMA’ mean to property owners in this apartment block who are funding this investor’s unpaid service charge bill that currently stands at 100% of the annual budget. ‘In NAMA’ means nothing to them. There is no accountability or allowance ‘in NAMA’ for unpaid service charges. We have received correspondence from NAMA advising us that they are not responsible or accountable for service charges on properties. Service charges do not fall within their brief. Instaed they fall on the doorstep of the compliant property owner. They are picking up the tab. Of the other 25 apartments there are ten owners, one of whom is also in arrears for the past five years and is currently unemployed. The other nine property owners struggle to keep the bills for the entire development paid. The entire budget to manage the development annually, including a 10% sinking fund, is approximately €35,000.
Of course unpaid services charges is only one challenge within the wider torrent of issues that property developers have left in their wake. On top of management company finances, there are unfinished housing estates with unfinished roads all across Ireland, and no amount of government legislation will change this. It is only an improvement in economic conditions in the country that will see changes in this area. The economy may have hit the dirt road but it’s the bumps and potholes that are shaking us to the core.
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Fri, 05/05/2023 - 10:57
Thanks for sharing such a useful information. The KYC verification process plays a crucial role in Gemini Exchange for both financial institutions and its users, as it works with AML (anti-money laundering) regulations. To access and enjoy the features of the exchange users have to complete the KYC verification process, which includes submitting a national ID card, passport, and driving license. Read More:-Curve Finance$Coinbase Extension$Trust Wallet vs MetaMask Wallet$Kraken vs Coinbase
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Thu, 05/04/2023 - 20:25
MetaMask is a popular browser extension that allows users to access Ethereum blockchain applications (DApps) without having to run a full Ethereum node. It is a digital wallet that enables users to store, send, and receive Ethereum and other ERC-20 tokens. Metamask extension | Metamask extension
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Thu, 05/04/2023 - 15:57
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Thu, 05/04/2023 - 14:40
Are you looking for a non-custodial wallet to store your funds? If that is the case, then Kraken Login could be the right option for you. The wallet not only allows you to store your funds but also lets you interact with multiple blockchain.
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Thu, 05/04/2023 - 13:27
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Thu, 05/04/2023 - 11:20
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Thu, 05/04/2023 - 05:38
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Wed, 05/03/2023 - 14:26
Are you looking for a non-custodial wallet to store your funds? If that is the case, then Phantom Wallet could be the right option for you. The wallet not only allows you to store your funds but also lets you interact with multiple blockchain networks that are based on the Solana ecosystem.
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Wed, 05/03/2023 - 11:56
One of the largest cryptocurrency exchanges in our area is called Crypto.com app not working and this platform ensures that none of its users encounter any sort of technological difficulties. Many users download the platform's mobile application to their Android or iOS devices so they can use it while on the go. But what if the Crypto.com app suddenly stops working for you?
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Wed, 05/03/2023 - 11:11
Cash app is a mobile payment application and a platform for carrying out digital banking operations at your fingertips.If you are in need of urgent assistance regarding any Capital One banking service, then the best thing you can do is dial their customer service phone number for getting urgent assistance. capital one login
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Wed, 05/03/2023 - 11:10
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Wed, 05/03/2023 - 08:54
To get the Coinbase login error fixed, you may need to reset your mobile device. If this does not help you get it fixed, then you should try changing security settings in your Coinbase.com login account. There are no Coinbase limits for Instant Card Cashouts, but your card may have limits. Check with your card provider if you don't know how much you can instantly cash out to your debit card. Card data is securely transferred and hosted off-site by payment vendors.Paypal Login is a digital payment platform with a website and mobile application that enables transfer between two parties digitally.MetaMask !!! Form more information ___ crypto.com withdrawal pending
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Wed, 05/03/2023 - 08:53
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Wed, 05/03/2023 - 07:26
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Wed, 05/03/2023 - 06:33
Phantom Wallet Extension is a hot wallet that functions as a negotiator between Solana blockchain and crypto users. The Phantom wallet operates as a website extension. It launched in 2021. and AtomicDEX Wallet is a virtual currency wallet and decentralized exchange (DEX) rolled into an app accessible on smartphones, desktops, and the web. It permits users to receive, transact, and trade several crypto coins like Ethereum (ETH), Bitcoin (BTC), ERC-20, BNB, and BEP-20 tokens.
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