Background

In February 2014 the ISI hosted a conference in Dublin Castle attended by over 300 creditors and practitioners.  A major aim of the conference was to initiate the development of protocols for the DSA and PIA.  Having established protocols is in line with best practice in other jurisdictions and should make the insolvency application process both simpler and faster for creditors, practitioners and debtors.

At the conference the ISI called for expressions of interest in membership of the Debt Solutions Protocol Steering Group and the response was extremely encouraging.  The ISI considered it important that the interests of all stakeholders be represented and so the Debt Solutions Protocol Steering Group is made up of creditors and creditor representatives, personal insolvency practitioners and personal insolvency practitioners representatives, consumer and debtor representatives and the ISI itself.
 
In July 2014 the group finalised the standard DSA protocol which was accepted and implemented by all stakeholders. The PIA protocol was undertaken following the completion of the DSA protocol, and in December 2014 the group finalised the PIA protocol.

Members

Membership of the Debt Solutions Protocol Steering Group was drawn from among the various stakeholders:

The Steering Group was chaired by the ISI. 

Following the completion of the DSA protocol, two members left the group: Ruth Fanning of New Begining and Anthony Joyce, PIP. In order that debtor representatives be maintained David Hall of the Irish Mortgage Holders Association and Paul Joyce of the Free Legal Advice Centres were invited to join the group.

 

Members as at completion:

Gavan Barlow

Michael Bolger

Tara Cheevers

Ronan Duffy

Ruth Fanning

John Hogan

Kevin Johnson

Anthony Joyce

Breege-Anne Murphy

Niamh Murphy

Mitchell O’Brien

Lorcan O’Connor

Michelle O’Hara

Greg O’Leary

Michael Peacock

Paddy Purtill

David Hall

Paul Joyce

Allied Irish Banks

Irish Society of Insolvency Practitioners (ISIP)

PIP and ACO Financial & Business Solutions Ltd.

PIP and McCambridge Duffy

New Beginning

PIP and Hogan & Co.

Credit Union Development Association

PIP and Anthony Joyce & Co. Solicitors

Irish League of Credit Union

Irish Banking Federation

PIP and Association of Personal Insolvency Practitioners

Insolvency Service of Ireland (ISI)

MABS National Development Ltd.

Bank of Ireland

Watch Portfolio Management Ireland

Revenue

Irish Mortgage Holders Association (IMHO)

Free Legal Advice Centre (FLAC)

 

As part of the work into the protocol, a separate Working Group was established to deal with the specific details of certain sections. The group was chaired by the ISI and the members of that group were:

 

Tara Cheevers

Ronan Duffy

Sinead Keaveney

Breege-Anne Murphy

Greg O’Leary

Paddy Purtill

PIP and ACO Financial & Business Solutions Ltd.

PIP and McCambridge Duffy

Bank of Ireland

Irish League of Credit Union

Bank of Ireland

Revenue

Meeting Dates

The Debt Solutions Protocol Steering Group met on the following dates:

 

DSA:                                  PIA:

19/02/2014                         05/09/2014
05/03/2014                         15/10/2014
19/03/2014                         05/11/2014
25/03/2014                         26/11/2014
02/04/2014                         09/12/2014
09/04/2014
16/04/2014
30/04/2014
14/05/2014
11/06/2014

The Working Group met on the following dates:

 

DSA:                                  PIA:

24/02/2014                         30/07/2014
04/03/2014                         10/09/2014
11/03/2014                         08/10/2014
18/03/2014                         29/10/2014
25/03/2014
01/04/2014
08/04/2014
15/04/2014

 

Terms of Reference

The Steering Group was asked to:

The Working Group was asked to:

 

Protocol Oversight Committee

A Protocol Oversight Committee was established in July 2015 to monitor how the DSA Protocol and PIA Protocol are working in practice and meets when required.  The Committee is made up of creditors and creditor representatives, personal insolvency practitioners and personal insolvency practitioner’s representatives, consumer and debtor representatives and the ISI itself.

Members as at 15th March 2017 are listed below.

 

John Farrell

Insolvency Service of Ireland

Niamh Murphy

Banking and Payments Federation Ireland

Anthea Ormiston

Bank of Ireland

Paddy Purtill

Revenue Commissioners

David Hall

Irish Mortgage Holders Organisation

Ronan Duffy

Personal Insolvency Practitioner

Michael Bolger

Irish Society of Insolvency Practitioners

Gavan Barlow

Allied Irish Bank

John Hogan

Personal Insolvency Practitioner

Michael Peacock

Watch Portfolio Management

Breege-Ann Murphy

Irish League of Credit Unions

Tara Cheevers

Association of Personal Insolvency Practitioners

Mitchell O’Brien

Association of Personal Insolvency Practitioners

Collette Bennett

MABS National Development Ltd.

Elaine Larke

Credit Union Development Association

Patrick Johnson

Court Service

Terms of Reference

The Protocol Oversight Committee is asked to:

 

Meeting Dates

The Protocol Oversight Committee has met on the following dates:

2nd July 2015

10th December 2015

26th May 2016

15th March 2017

 

Update to DSA & PIA Protocols

The Protocol Oversight Committee agreed changes to both the standard DSA and PIA Protocols in July 2016.

The main changes included:

The updated Protocols (July 2016 Version) are available for download here.