PPR Equity Group
Principal Private Residence Equity Group
Not Only Should Justice Be Done, It Must Be Seen To Be Done
Meet the Team
About PPR Equity Group
We are PPR Equity Group, a lobby group dedicated to fighting for the rights of distressed homeowners across Ireland. Our group was co-founded by Teresa Clyne, a legal consultant and writer, and Tom Roche, a seasoned lay litigant and activist for the rights of people and the planet. We work in close collaboration with The Hub, a voluntary organisation committed to helping ordinary people navigate the justice system.
Together, we guide homeowners through the swamp that is home possession in Ireland—a system designed to favour tax-avoiding vulture funds and their profit-driven legal teams. We expose the endemic abuse, procedural unfairness, and judicial hostility that strips people of their homes and dignity. Our mission is to secure real, systemic change and ensure the Irish State is held accountable for its failure to protect its citizens.
Contact us on WhatsApp
We are available on WhatsApp
Would you like to volunteer as a courtroom monitor or an advocate? Can you spare a few hours per month to undertake judicial research for us? We are not available for individual homeowners cases as we are a lobby group and aiming to being our homeowners plights to Europe to bring Ireland to account for their inaction in ensuring EU law is adhered to in Irish courts.
However, if you need help with your possession case or legal issues with the Vultures or Banks you can call Teresa on 085 8120101 to make an appointment or contact the HUB on 089 4627331
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REMEMBER: Orders for Home Possessions are Equitable Remedies and Not Automatic Rights.
A possession order is not an automatic right; it is a discretionary equitable remedy rooted in the Court of Chancery. When a plaintiff uses a statutory provision like Section 62(7) to seek possession, they enter a court of equity and are bound by its ancient rules of fairness.
The most powerful of these is the "clean hands" doctrine: he who comes to equity must come with clean hands. This means a court has no jurisdiction to grant possession to a plaintiff who has acted unfairly, unconscionably, or unlawfully. Breaches of the MARP, use of unfair contract terms, or misleading the homeowner constitute "unclean hands." We will arm lay litigants with the information and knowledge to formally introduce evidence of this misconduct and demand that the court refuse to grant an equitable remedy to a plaintiff who has demonstrably failed to act equitably themselves.
Primary Principal Residence Equity Group Home Advocacy Group
PPR Equity Group Jackets. Be Seen, Be Heard
Primary Principal Residence Equity Group Home Advocacy Group
Support us by buying and proudly wearing one of our PPR Equity Group Jackets.
Be Seen, Be Heard
What We Aim to Achieve
Right now in Ireland, your home possession are heard by a Judge in the Circuit Court, a Summary case, where your constitutional rights to a home can be taken away by a person who knows nothing about your case using a (hearsay) Affidavit and regardless of what they say in tha affidavit you cannot cross examine them unless YOU can prove THEY are misrepresenting/misleading or acting fraudulantly. Even then its unlikely that the vast majority of judges will push ahead with the possession order.
As you cannot argue Constitutional rights in the Summary cases, the law by defalut is taking your rights to a fair, just and reasonable outcome away from you.
Lobby to Reduce the Statute of Limitation for Possession Hearings Down to 6 years.
We demand the statute of limitations for mortgage possession proceedings be reduced from twelve to six years. The current twelve-year limit allows vulture funds to pursue families over a decade or more after their initial difficulties, a practice that prolongs immense stress and breaches the EU requirement for timely justice. This change is a vital first step towards fairness and finality for homeowners.
We demand that the psychological warfare that is being perpetrated in the Irish Courts every day END NOW. People are belittled and made to feel ashemed of a situation that the banks actually cause by their unfair lending temrs and negligent lending.
Ensure that Judges are Educated in EU Law and How to Correctly Apply it
We demand mandatory, ongoing training for all judges on European law relevant to home possession. This education must cover consumer directives, Treaty rights, and the Charter of Fundamental Rights, reinforcing the judiciary's duty to uphold EU law's primacy over conflicting national legislation. Critically, this training must instruct judges to synthesise these modern EU protections with the foundational principles of the Court of Chancery and the law of equity. This fusion ensures that fairness and the prevention of unconscionable outcomes remain the court's ultimate objective, protecting vulnerable homeowners from procedural injustice.
Demand Home Possession Proceedings are ONLY heard in the High Court
Establish Non-Means-Tested Legal Representation (from solicitors, not legal aid board)
If a killer or a thief can walk into court and be given free legal representation because their constitutional right ot freedom may be at stake, then your constituional right to a home should be afforded the same legal representation.
Access to justice is a right, not a privilege for the wealthy. We demand non-means-tested civil legal aid for all cases involving the family home. The current refusal to provide aid in these cases directly breaches EU law, leaving vulnerable citizens to face powerful corporate legal teams alone. This gross imbalance of power must end now.
Education of Law litigants in Court Rules, Orders and Procedures
We aim to empower lay litigants with practical resources, including courses and workbooks demystifying court procedures and rules. Our mission is to instil the critical importance of a focused defence. We will teach homeowners how to respond directly and concisely to the plaintiff's endorsements and affidavits, point-by-point. This strategic approach prevents the common, self-damaging error of submitting unfocused arguments, ensuring their submissions are credible, relevant, and effective in defending their home against the claims made against them.
ProfessionPower Corrupts, Absolute Power CorruptsAbsolutely
We advocate for a transparent mechanism for judicial accountability. Judges who ignore procedural rules, dismiss valid EU law arguments, or display bias towards lay litigants must be held responsible.
This system is crucial to rebuilding public trust and ensuring our courts serve the people, not financial institutions.
Right now in Ireland, a judge has imunity from any repocussion of his/her behaviour. And the Judicial committe is self regulated, I say no more.
OUR UTIMATE GOAL
The Two-Track Approach
The National Route
We will challenge the system from within by supporting strategic "test cases" in the Irish courts. Our primary goal on this path is to expose deep-rooted legal flaws and force a preliminary reference to the Court of Justice of the European Union (CJEU). A binding ruling from the CJEU would set a landmark precedent for every homeowner in Ireland
The EU Route
We will not wait for the Irish system to reform itself. Simultaneously, we are pursuing a direct route to Europe. This involves filing a formal infringement complaint with the European Commission, detailing how Ireland is systematically failing to uphold EU law. We will also petition the European Parliament to investigate these injustices, ensuring our fight is heard at the heart of European democracy therefore puttnig pressure on our own governemnt to do as they are obliged to do.
Lay Litigant information booklets
I’m a legal academic and forensic researcher, and my work focuses on Irish mortgage litigation, chain-of-title issues, and helping lay litigants understand the paperwork and procedures that shape their cases. I’m not a solicitor; everything I do is educational, analytical, and procedural, aimed at giving people clarity where there’s usually confusion.
As a case manager, negotiator, and mediator, I’ve seen how overwhelming possession cases can be. That’s why I create these booklets and give them away for free. They’re designed to help homeowners organise their documents, spot gaps or defects, and present a defense folder that’s professional, structured, and easy for both the litigant and the judge to follow.
I believe everyone deserves a fair hearing, and that preparation is the strongest tool a homeowner has. If this booklet helps someone feel more confident and more capable in their own defense, then it has done exactly what I intended.
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Ancient Irish Law, AKA Brehon Law
Brehon Law as the Root of Fairness
We argue that a fundamental error is made when a possession case is treated as a simple debt-collection exercise. It is not. The plaintiff is seeking an equitable remedy from a court whose jurisdiction is rooted in conscience, fairness, and justice. We submit that in Ireland, the very definition of what is "fair, just, and reasonable" is informed by our own native legal tradition, Brehon Law.
While English Equity developed in the Court of Chancery, the principles it champions—proportionality, fairness, and the rejection of unconscionable outcomes—have a direct and powerful parallel in the principles of our own ancient legal system.
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Ancient Irish Law/Brehon Law was built upon the concept of Córus (fair dealing and right relationships).
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Equity Demands Proportionality therefore Brehon Law was famed for its restorative and proportionate remedies, designed to heal community breaches, not create social ruin.
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A core tenet of Brehon Law was that a claimant's own conduct was relevant to the outcome.
Therefore, when we ask an Irish judge to sit in a court of equity, we are asking them to consult an Irish conscience. A plaintiff—particularly a foreign fund with no connection to the community—that has breached protocols, shown no flexibility, and acted without fairness, is not just presenting "unclean hands" in the abstract. They are acting in a manner that is fundamentally offensive to the oldest principles of justice on this island.
We will argue that an Irish court of equity has a duty to interpret its role through this lens and refuse to grant its extraordinary and discretionary remedies to those who flout these foundational principles of fairness.
Just A Minute’ (JAM)
How will JAM Card help me?
The JAM Card and JAM App is the FREE, easy and discreet way to let others know that you need ‘Just A Minute’ of patience and support
The ‘Just A Minute’ JAM card is recognised in Ireland’s Courts and it works a treat.
“The Jam card is very effective and Courts acknowledge it. By way of self help, take your time, listen, let the other side waffle on and huff and puff. You have the right of reply, stay composed and speak calmly effectively with the most relevant points. Rebutt any statements made by the other side, correct facts. Do not hesitate to ask the Judge for time to reply and make yourself understood. Create the safe space you need to do your job. Don’t forget if the order is against you “stay the order pending appeal” if you don’t you might face a bitter battle to get to an appeal.
I now include this request in the prayer of the affidavit. If the court does not refuse the motion ( obviously from the otherside) then ask the order be stayed pending appeal . It does not mean you will appeal you are just reserving the right.
Every litigant confident or otherwise should carry this card, absolutely, if you don’t have one you can ask for jam in court. The card is better, particularly when you are being rushed or boxed in. The card is your life line.
One word of caution, this is a valuable tool for litigants, however use it appropriately or you spoil its use for others. It’s not for flogging useless arguments or shouting down your opponent. Understand its purpose and respect it.”
Majelloa Rippington – Litigant
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