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    Ex employer won't give me my P45

    Hi, I was let go from my job back in June after a very short 2 month employment selling gym membership, I was given a P45, which I brought to social welfare, and began receiving unemployment. However, when I brought the rest of my p45 to the tax office they told me the p45 I had was in fact...
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    Pregnancy rights in the work place hospital visits

    Thanks for that, I've sent it on, she should send it to her manager, he obviously has a lot to learn.
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    Pregnancy rights in the work place hospital visits

    Hi, I'm writing on behalf of a good friend of mine who is currently pregnant with her second child, she works part time 5 days a week and when she approached her manager for time off for her hospital appointments he said they must come out of her holidays even though she doesn't have enough...
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    Is this phone 'unlocked'

    Thanks a mill for your reply. There is a sticker on the side of the box behind the plastic, with model, pack and IMEI number, but there is absolutely no mention of Vodafone. the pack date is 13/8/2009? I just don't want to sell it to someone falsely. thanks
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    Is this phone 'unlocked'

    I am on bill pay through V. and have been for over a year now, however recently my phone got badly damaged and stopped working, I was given a perfectly nice working phone from a friend to keep, however a few weeks later was told to get a phone through my V. Insurance to replace the one that had...
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    have mortgage app. in principle, how long to wait for full approval?

    Hello again, here's an update. We still haven't received mortgage approval. We have been waiting a long long time. Before we went for mortgage approval in principal I got our credit reports which our broker looked through and told us not to worry about the black mark on my credit report because...
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    have mortgage app. in principle, how long to wait for full approval?

    Thanks everyone, I know it's not no yet, but at the same time, she was pretty positive up until the point when they brought this delayed payment to her attention again, since then she has been extremely negative and not at all hopeful. Northdrum, the missed payment was just not paid by the...
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    have mortgage app. in principle, how long to wait for full approval?

    Thanks NorfBank. Well there's a whole new aspect to deal with today. When we got pre approval, I had done a credit check on myself and other half. I had missed a payment 2.5 years ago of 28euro 76 cents. Since then i have cleared 2 loans ( 16K and 9K) and 2 credit cards. I have never missed a...
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    have mortgage app. in principle, how long to wait for full approval?

    Hi, Thanks for the replies guys. well we're going through a broker but they are focusing on ICS because they gave us pre approval a few weeks ago. but this is getting very frustrating now, because we have to have it all sorted by next week, contracts signed and what not. I just hope its not a no...
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    have mortgage app. in principle, how long to wait for full approval?

    Hi again, i may just be very paranoid, but I just need a bit of advice. we still haven't received full approval and I'm getting worried. I have received a letter from our solicitor, which encloses a letter from the developers basically saying that if all is not signed sealed and delivered within...
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    have mortgage app. in principle, how long to wait for full approval?

    Thanks Dewdrop, I've been calling our mortgage broker every few days, she arranged our valuation to be done this week, and advised me that as soon as the approval comes through she will arrange for us to take out life/home insurance. I believe they can arrange that for us, however I have been...
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    have mortgage app. in principle, how long to wait for full approval?

    Thank you TheBigD, thats really good news. Congratulations. Hopefully all will run as smoothly for me now. Once the formal letter is received I hope it's plain sailing from there.
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    have mortgage app. in principle, how long to wait for full approval?

    Hi all, In the process of buying our first property, we got approval in principal 2 weeks ago, found a property, paid booking deposit, have a solicitor and now we are just waiting for the full approval. How long should we expect this to take in the current market? also, we have arranged for the...
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    How to choose mortgage type as FTB? fixed or Variable ?

    I know, It seems there is not one person not affected by this 'situation' we're in. I'm just counting myself lucky we even got mortgage approval with the way things are at the moment and an absolutely amazing deal on an apartment. This time last year there would have been no hope of me living in...
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    How to choose mortgage type as FTB? fixed or Variable ?

    Thanks Moneyhoney That was my thought on it. I'm glad to hear someone else with the same point. we can very comfortably afford the fixed rate. So i'd rather be guaranteed that sum every month, especially for the first year or two rather than take a big risk, where we could save a 50 euro a...
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    How to choose mortgage type as FTB? fixed or Variable ?

    Hi all, Well I think things are finally comming together on the house front, myself and my boyfriend have been approved for a mortgage and have put a booking deposit on an apartment in the location I was born/raised in and am over the moon (but still being realistic, it's not over till it's...
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    will no contract affect mortgage

    That would be my view on it. I have no idea how some piece of paper that is NOT a formal contract could hold anyone to anything. The mortgage broker said if they filled out the form and did not fill in the temp/perm section that it may still be processed. So I'll try that avenue, and will let...
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    will no contract affect mortgage

    Thanks Brendan, this is it though, the media industry is a fickle one, and if you step on someone toes, it could be goodbye job, hello unemployment. a lot of people are in the same position as me here, but I just wonder if there is anything that can be done that will not hold them as 'open' if...
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    will no contract affect mortgage

    Hi, Myself and my better half put a booking deposit on a house last week, and applied for a mortgage, we got approved in principal, but unfortunately i work in media, and they refuse to sign the salary cert because it holds them liable? I just dont understand. I dont have a contract, but was...
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    Bargaining the right price for rent to buy

    Hi, I havnt been here in a while now, but I have just viewed a property in Celbridge on the rent to buy scheme, however the asking price is 375K. Its a 3 bedroom semi detatched house, as we really dont want an apartment if we are going to end up buying, we'd see ourselves staying here for years...
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