Mr Justice Max Barrett put it succinctly. It was, in many ways, an unfortunate case. After all, a husband and wife were one the cusp of losing their house after falling into mortgage arrears of just €15,000, a sum the High Court judge said should be repayable if it was spread over enough years to make the monthly repayments manageable. However, the case of Christopher and Elizabeth Cussen is about more than just numbers. It is a textbook example of how not to deal with both a lender and also a court action. Judge Barrett sets out the backstory and…

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