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Forum: Travel, accommodation and restaurants in Ireland 28-07-2014, 12:02 PM
Replies: 15
Views: 712
Posted By elcato
You could try putting in a future date with the...

You could try putting in a future date with the month wrong. Chances are they will not notice the date on her passport when she is boarding.
Forum: Other financial issues 18-07-2014, 05:04 PM
Replies: 3
Views: 452
Posted By elcato
Your loans are unsustainable. You need to write...

Your loans are unsustainable. You need to write the figures down of what you pay for the loans after being left with the 300 euro. I'd write to both menders and explain that you cannot pay and would...
Forum: Consumer Issues and Rights 18-07-2014, 10:59 AM
Replies: 4
Views: 392
Posted By elcato
Did the chiropodist not give a recomendation to...

Did the chiropodist not give a recomendation to somewhere or at least explain what they meant ? No offence but any shoe shops employ sales people not chiropidists. Their remit is to sell shoes. There...
Forum: Is this a scam? 11-07-2014, 12:28 PM
Replies: 16
Views: 1,368
Posted By elcato
This is a regular line with these people. Once...

This is a regular line with these people. Once they mention Golden Pages do not entertain. Sorry to hear about this but do report it to the Gardai. For future reference, ask them for a card and...
Forum: Issues arising from joint mortgages 10-07-2014, 11:25 AM
Replies: 12
Views: 1,163
Posted By elcato
But the amount is in respect to your ex. Was he...

But the amount is in respect to your ex. Was he paying during that time or have you come to an arrangement that you take over the payments and get to keep the house ? If it was his contribution then...
Forum: Issues with tracker mortgages 09-07-2014, 12:46 PM
Replies: 33
Views: 2,607
Posted By elcato
So it appears that you are not the only one - see...

So it appears that you are not the only one - see here (http://www.askaboutmoney.com/showthread.php?t=188029)
On the plus side though, this suggests that the underpayment is being clawed back in...
Forum: Issues arising from joint mortgages 09-07-2014, 11:32 AM
Replies: 12
Views: 1,163
Posted By elcato
So they seem to confirm that if you had any...

So they seem to confirm that if you had any relief from 2007 it was null and void given that the circumstances changed and you didn't inform them. Maybe that's how they deal with it rather than via a...
Forum: Issues arising from joint mortgages 08-07-2014, 05:18 PM
Replies: 12
Views: 1,163
Posted By elcato
This is interesting, are revenue saying that the...

This is interesting, are revenue saying that the 9k is your total TRS during that date or half the TRS which your partner claimed ? I cant remember the rates but it sounds like revenue are asking for...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 07-07-2014, 01:00 PM
Replies: 7
Views: 875
Posted By elcato
As stated this is not bad at all. I would write a...

As stated this is not bad at all. I would write a letter explaining that you are out of work and requesting to try a plan. They will write back and try and force you to pay what they want. The main...
Forum: Wills, inheritances and gifts 04-07-2014, 04:11 PM
Replies: 10
Views: 507
Posted By elcato
So to clarify, this property was owned by him but...

So to clarify, this property was owned by him but he was not living there ? Has the rest of the estate been distibuted ?
Forum: Tax 04-07-2014, 02:25 PM
Replies: 2
Views: 397
Posted By elcato
Regarding TRS, I sent an email to them which took...

Regarding TRS, I sent an email to them which took a month for a reply and they basically asked me when I moved out and calculated the money owed to them. I'm pretty sure there was no penalty clause...
Forum: Issues with tracker mortgages 04-07-2014, 10:09 AM
Replies: 33
Views: 2,607
Posted By elcato
The only thing I can think of is that they did a...

The only thing I can think of is that they did a combination of both due to the fact that you or your partner may be 70 (or 65) in 31 years and that will be the max term they allow. Either way you...
Forum: Issues with tracker mortgages 03-07-2014, 04:50 PM
Replies: 33
Views: 2,607
Posted By elcato
OK - So you started in Dec 2013 on a...

OK - So you started in Dec 2013 on a re-capitisation regime. You didn't mention that in the original post. So they miscalculated the first 6 months and now it appears the true cost is an extra 120...
Forum: The bailout, the banking crisis and other economic issues 03-07-2014, 03:02 PM
Replies: 16
Views: 535
Posted By elcato
Not in agrrement with it but I suppose you could...

Not in agrrement with it but I suppose you could give a tax rebate based on the interest paid on your mortgage, something similar to a landlord's 75% of loan interest can be written against tax due ?...
Forum: Issues with tracker mortgages 03-07-2014, 02:37 PM
Replies: 33
Views: 2,607
Posted By elcato
What arrears ? Do you have arrears on the...

What arrears ? Do you have arrears on the mortgage aside from any TRS descrepancies ? Did you miss payments at some stage in the past ? or were you always underpaying the mortgage from the start ?...
Forum: Issues with tracker mortgages 03-07-2014, 12:01 PM
Replies: 33
Views: 2,607
Posted By elcato
Some questions you need to ask UB (unless you...

Some questions you need to ask UB (unless you know the answers) How much is the arrears ? Is this increased payment for the duration of the mortgage or is it just until the arrears are paid off ? How...
Forum: Overseas Travel,Holidays,Hotels & Airlines 26-06-2014, 03:25 PM
Replies: 2
Views: 564
Posted By elcato
Is this to allow for people wanting to get...

Is this to allow for people wanting to get passports by a certain date due to forgetting the passport is out of date i.e. proof of travel must be shown ? Or is it a replacement for the postal system...
Forum: Issues with tracker mortgages 26-06-2014, 03:19 PM
Replies: 33
Views: 2,607
Posted By elcato
This is strange. I was getting too much TRS a few...

This is strange. I was getting too much TRS a few years ago as it turned out but I was notified by revenues trs office directly and asked to repay the amount due to them in one lump sum. How long...
Forum: Investments 23-06-2014, 02:14 PM
Replies: 9
Views: 966
Posted By elcato
The very fact that they use a .net domain doen't...

The very fact that they use a .net domain doen't sit right with me.
Forum: Pensions 19-06-2014, 10:27 AM
Replies: 41
Views: 3,317
Posted By elcato
I think this is beyond just government. Add...

I think this is beyond just government. Add senior civil servants who probably pushed for it and the current old boys in Senate and Dail. Irish solution etc.
Forum: Deposits 19-06-2014, 10:22 AM
Replies: 15
Views: 1,605
Posted By elcato
Mongolia, Georgia and Azerbaijan ? I wouldn't go...

Mongolia, Georgia and Azerbaijan ? I wouldn't go there on holidays and take out a tenner from my wallet ! Does the websites show a guy spinning a nickel and winking at you ?
Forum: Mortgage arrears - policy issues 13-06-2014, 11:58 AM
Replies: 8
Views: 1,054
Posted By elcato
44% of me agrees with you but only 27% of me...

44% of me agrees with you but only 27% of me thinks that I'm right. On the other hand 78% of me likes Coca cola.
Forum: Property investment and tenants' rights 13-06-2014, 11:55 AM
Replies: 8
Views: 1,258
Posted By elcato
Did you inform the landlord in writing that it...

Did you inform the landlord in writing that it was OK to take the deductions agreed on (not the burn mark or the coffee table) ? If not, I would tell the landlord that you will accept a final figure...
Forum: Tax 13-06-2014, 11:50 AM
Replies: 2
Views: 492
Posted By elcato
You're husbands next pay packet will have all...

You're husbands next pay packet will have all your tax free money in it surely ? Did you ask him has he got more than usual ?
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 06-06-2014, 01:34 PM
Replies: 10
Views: 1,341
Posted By elcato
They may accept this but will add small print....

They may accept this but will add small print. The bottom line here is that you tried. I would leave it at that now and as Gerry says, don't stress about it regardless of any threatening letters....
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