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Just wanted to update, amount outstanding on mortgage is €143,000 so that's a bit of good news. We spoke to the estate agent. A 2 bed apt in the town sold for €95,000 a couple of months ago. Unfortunately he said we would be looking at less as in his own words "many people wouldn't touch an...

That's interesting, ill get my Dh to dig out the last statement from them as I was pretty sure those figures were correct. Thanks Brendan

DH has another 3 years to go on his degree so it will be a while before he will be in a position to benefit financially from it, he will have to move job as he cant progress any further in the company he is in. Hopefully I will get paying work in the future but it looks like I might be facing a...

Hi Brendan, we haven't build up savings of €25,000, we are down to that amount. A few years ago we had much more in savings. I had a good job before I was let go. DH was on a much higher salary but has taken pay cuts. He used to get a bonus and worked about 10 hours overtime every week but that...

Thank you all for your replies. With regard to the €35,000 yes it is clouding my judgment but I also think its clouding everyone's judgment. €10,000 of it is money my parents gave me about 6 months ago. This money is to help me embark on a new career. I don't want to go into much detail about it...

My concern is that if he went interest only that it would only be a temporary solution as at some stage it would go back to full repayments and to me that is only kicking the can further down the road.

Just to reply to a number of points Re the apt, we purchased our house from the plans mid 2006 and put the apt on the market a couple of months later, so autumn of 2006. We moved into our house in 2007, the apt remained on the market from 2006 until 2009. We had 3 viewings and no offers. The...

Good morning, our situation is that my husband bought an apartment in 2004 before we met. In 2006 we got married and bought a house together and put his apartment on the market. The apartment was on the market for about 18mths-2 years and we had 3 viewings. We couldn't rent it at that time as he...

My brother has been working for a company for over 5 years. His original contract states the role he was hired for and his pay. Over the years he has taken on increased responsibility and different/additional roles and has had pay increases. Last year a new manager was appointed to his team...

Thanks very much for your replies. First off some good news, we have just signed up new tenants that are moving in this week. They seem nice and hopefully will stay longer than a couple of months. Because the mortgage on the apt is over 35 years most the of repayment is going towards...

I am looking for some advice and information please. My husband owns an apartment which he bought before we met which has a standard variable mortgage on it with UB. €161,000 over 35 years. After we got married he put it on the market as we wanted to buy a house as we were starting a family...

You can go into your local V.W. dealer, Belgard, Fosters, Bradys, Mc Alisters etc and buy the 4 door chromes for around €100.00 all in. If you want you can also buy the rear bumper chromes as well. The door ones are stuck on and the bumper ones are cliped in. Looks the part when fitted.

Why not ring your local Audi main dealer and price a minor service, this will include oil and oil filter, full VHC giving a breakdown of extra work required if any, check for recalls, audi stamp in the service book and the price is agreed on the phone there and then. Most are doing good offers...

I have this calculator yet when i key in the mortgage details along with the interest rate im paying the amount of the repayment is different to that im actually paying. The amount the calculator gives is less than the actual. What would be causing this difference? Thanks.

Im in the same position, 2 year discounted tracker of .99% + ECB expiring this month. I contacted PTSB at the beginning of the year to enquire what rate it would revert to and they declined to specify. I got a letter offering 2.25% above ECB. My contract states it would revert to the rate at the...

Thanks for your replies. There are 3 directors at present appointed at the last AGM (the management agent send my notification to the wrong address so i missed the agm), the notifictaion i received for this one states they will be retiring. At the AGM 2 years ago they allowed anyone who wished...

Hi the AGM of management company is tomorrow night, the management agents were appointed 2 years ago by the builder, their service has been very unsatisfactory i know many complaints have been made about them (the agent indirectly gave this information to me). I would like to go about getting...

I received a notice of a fine for not paying the toll on a journey in Dec, my car wasnt even on the road then. I submitted a dispute and it was cancelled. Madness.

You have a 10 day cooling off period from a finance agreement but you would have had to sign the waiver of that in order to take receipt of the car. You cannot just take a new car drive it for 14 days and give it back without a penalty. If you look to clear the finance now you will pay back more...

The voice of experience, well said Brianne.