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Showing results 1 to 25 of 500 Search took 0.14 seconds. Search: Posts Made By: elcato

Forum: Management companies, apartments, etc. 10-05-2013, 03:45 PM

Replies: 7 Negligent behaviour by management company? Views: 356 Posted By elcato But there was no damage. Seems you are... But there was no damage. Seems you are speculating. Have you asked the company did they move the units ? It may have been a neighbor who just was annoyed at the fact that you put such stuff wrongly...

Forum: Mortgage arrears, personal debt & negative equity 10-05-2013, 10:39 AM

Replies: 15 CU debt of €10k. Circuit Court letter stating case on Monday - Should I attend Court? Views: 940 Posted By elcato OK. It looks like I was mixing up the stage at... OK. It looks like I was mixing up the stage at which you are at i.e. judgement v Court order.

Forum: Mortgage arrears, personal debt & negative equity 10-05-2013, 09:49 AM

Replies: 15 CU debt of €10k. Circuit Court letter stating case on Monday - Should I attend Court? Views: 940 Posted By elcato I would appear. They can get a committal to... I would appear. They can get a committal to prison afaik. Turn up, stand up when called and explain that you do not deny you owe the money but you have no means at the moment to pay. I presume you...

Forum: Service Providers - Phone, Broadband and TV 09-05-2013, 12:18 PM

Replies: 3 three broadband cancel contract Views: 408 Posted By elcato The bank will not cancel the direct debit ? Can... The bank will not cancel the direct debit ? Can you not just write a letter requesting it to be cancelled or is it purely up to one side only to allow this ?

Forum: Mortgage arrears, personal debt & negative equity 09-05-2013, 10:40 AM

Replies: 7 Hopelessly insolvent and looking for advice on two choices to consider Views: 1,316 Posted By elcato The bank has to agree to a sale. Your position is... The bank has to agree to a sale. Your position is not sustainable. I would tell the bank you are willing to forego the house and are moving out as you cannot afford it. You talk about moving but do...

Forum: Mortgages and buying and selling homes 09-05-2013, 09:17 AM

Replies: 39 Interest rate hikes for AIB, EBS & Haven customers Views: 3,546 Posted By elcato I had savings with them from the anglo legacy... I had savings with them from the anglo legacy which I closed in protest recently. They did actually ask why I was closing mind you , for 'morketing' reasons.

Forum: Mortgage arrears, personal debt & negative equity 03-05-2013, 03:00 PM

Replies: 10 Massive neg equity, have to move, what to do? Views: 1,040 Posted By elcato Don't fill in the SFS. Write a letter outlining... Don't fill in the SFS. Write a letter outlining the facts and that you cannot pay. Move into the other house and stop payment immediately.

Forum: Mortgage arrears, personal debt & negative equity 03-05-2013, 02:44 PM

Replies: 19 Meeting AIB - what should I negotiate for? Views: 1,871 Posted By elcato In my experience we give waaay to much credit to... In my experience we give waaay to much credit to the negotiators here. Your mother's guarantee is purely on your property so the most she can lose is the 100k. That's small feed in comparison to what...

Forum: Mortgage arrears, personal debt & negative equity 03-05-2013, 10:51 AM

Replies: 10 Massive neg equity, have to move, what to do? Views: 1,040 Posted By elcato The short term solution is to stop paying UB and... The short term solution is to stop paying UB and move to rented property. Write to UB and offer to surrender the house. If they say you can't so what. Tell them (not in writing ) that you will leave...

Forum: Mortgage arrears, personal debt & negative equity 02-05-2013, 01:52 PM

Replies: 19 Meeting AIB - what should I negotiate for? Views: 1,871 Posted By elcato A crap - yeah, I contradicted what I said... A crap - yeah, I contradicted what I said earlier. I'd still threaten it though minus the bankrupty and maybe even chuck in 'Sure the sister is thinking of going abroad anyways' comment.

Forum: Mortgage arrears, personal debt & negative equity 02-05-2013, 12:35 PM

Replies: 19 Meeting AIB - what should I negotiate for? Views: 1,871 Posted By elcato Then you politely tell them (off the record, not... Then you politely tell them (off the record, not in writing) to get a court order and that in the meantime you will stop all payments from your rental income and pocket it. They will lose at least a...

Forum: Mortgage arrears, personal debt & negative equity 02-05-2013, 11:08 AM

Replies: 19 Meeting AIB - what should I negotiate for? Views: 1,871 Posted By elcato Well if you're negotiating and assuming you agree... Well if you're negotiating and assuming you agree to sell 3 properties I would look for the following 1) Separate all debt into you singly and your sister singly 2) Have the mother's guarantee...

Forum: Mortgage arrears, personal debt & negative equity 02-05-2013, 10:10 AM

Replies: 19 Meeting AIB - what should I negotiate for? Views: 1,871 Posted By elcato I think your figures of 12k p.a. are a bit high... I think your figures of 12k p.a. are a bit high as regards servicing the debt at the moment. I suspect the shortfall on your own property is probably about 3-4k and the other two might be 2-3k. This...

Forum: Mortgage arrears, personal debt & negative equity 02-05-2013, 09:13 AM

Replies: 19 Meeting AIB - what should I negotiate for? Views: 1,871 Posted By elcato Firstly, you need to separate the VAT... Firstly, you need to separate the VAT bill/arrears from the property situation. This has nothing to do with the bank. I'm not sure how true this is but in one of those 'great programs' made by RTE...

Forum: Mortgage arrears, personal debt & negative equity 01-05-2013, 02:59 PM

Replies: 8 Sell our home at a shortfall and move abroad - will the bank chase us? Views: 1,133 Posted By elcato You will not go to prison. He is correct in what... You will not go to prison. He is correct in what he says. You could approach the bank yourself and explain that you cannot afford it and agree to hand over the house. They will try and press you for...

Forum: Property investment and tenants' rights 29-04-2013, 11:21 AM

Replies: 7 How much tax on rental income Views: 524 Posted By elcato See this... See this (http://www.askaboutmoney.com/showthread.php?t=171272) earlier post about what needs to be paid. It's a bit out of date with the tax but gives the gist of what form and what costs are...

Forum: The Local Property Tax 26-04-2013, 01:06 PM

Replies: 30 LPT: We've received no notification yet 17/4/2013 Views: 2,051 Posted By elcato I paid it online, despite no notice, using the no... I paid it online, despite no notice, using the no pin option. I decided to pay by visa debit to avoid the surcharge and they have taken the money from the account already. I suggest you wait till the...

Forum: Property investment and tenants' rights 25-04-2013, 01:54 PM

Replies: 14 LPT: Landlady seeks to increase rent by €50/mth. Can she do this? Is it excessive? Views: 908 Posted By elcato Well given that the tax is .18 of the value of... Well given that the tax is .18 of the value of the house it puts the house in the region of 350k which seems not too far off the mark i.e. 600k per annum. You just need to make a decision based on...

Forum: The Local Property Tax 19-04-2013, 02:31 PM

Replies: 30 LPT: We've received no notification yet 17/4/2013 Views: 2,051 Posted By elcato I think you're being re-active. You need some... I think you're being re-active. You need some forward thinking so all sides come out happy.

Forum: Home energy 18-04-2013, 01:16 PM

Replies: 6 Insulated Hot water cylinder Views: 823 Posted By elcato Well OP said 200 was the price of the tank above.... Well OP said 200 was the price of the tank above. Don't forget to keep the old one and sell it to a yard also. I would imagine fitting would be around another 200 but depends on high tight the space...

Forum: Redundancy, unemployment & jobseekers' SW entitlements 12-04-2013, 02:45 PM

Replies: 5 Made redundant and pregnant Views: 794 Posted By elcato Has the company closed down ? My understanding is... Has the company closed down ? My understanding is that you cannot be made redundant while pregnant. Do you have a HR department ? If it closed down then the normal process is that you get your p45...

Forum: Property investment and tenants' rights 10-04-2013, 01:00 PM

Replies: 6 First time landlord question Views: 609 Posted By elcato As your wife would she not be entitled to half... As your wife would she not be entitled to half the income from the rent and all the income for acting as agent ?

Forum: The review of the Mortgage Arrears Code 10-04-2013, 12:58 PM

Replies: 11 The Mortgage Arrears Code should not force banks to frighten people Views: 454 Posted By elcato Good idea in principle but conversely Split... Good idea in principle but conversely Split people into 3 1) people who get stressed after nail breaks, cat dies, cuts while shaving - quick ring helpline 2) people who get stressed when something...

Forum: The Local Property Tax 10-04-2013, 12:50 PM

Replies: 3 LPT: Online payment without reference number from form. Views: 347 Posted By elcato LPT: Online payment without reference number from form. If a person is living abroad and has no access to the property (agent is looking after it), can they pay online without the reference number given in the letter ? The letter was probably sent to the...

Forum: Deposits 10-04-2013, 10:08 AM

Replies: 16 Nationwide UK - easy to deal with or not? Views: 1,544 Posted By elcato When you open the account you nominate an account... When you open the account you nominate an account for which they transfer any funds out to. This makes withdrawals online quite easy so I would recommend it.

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