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I found this very interesting article from Nama Winelake which really explains this offer very well. Essentially the longer you have left on your mortgage, the less benefit this is to the mortgage holder. If you have more than four years left on your mortgage then PTSB starts to profit and your...

Maximum amount of 50% no longer applies http://www.independent.ie/national-news/bank-now-offering-10pc-bonus-to-customers-who-pay-off-their-entire-homeloan-2660222.html

Thanks for that Panacea So if I read that correctly, it is an offence to deface the currency. Going a step further the definition of deface is to mar the surface of or disfigure, to efface, obliterate, or injure the surface of, as to make illegible or invalid: So if writing a message...

Can anyone tell me if it is legal/illegal to write a message on a Euro bank note? I did a small bit of research and the 1930 Currency Act mentions that there is a fine of no more than £5 (which is no longer our legal tender) and I cant seem to find any amendment to that in the 1990 Decimal...

Struggled to find the right forum for this odd question so apologies if this is the wrong one. A neighbour of mine asked for some advice this morning and I wondered if anyone here would know the situation. She is a single parent with two children living in a local authority house. She is...

I got a letter of offer this morning from PTSB. I see that the offer reduces the length of your mortgage and not the actual monthly amount. Your mortgage repayments remain the same for a shorter duration. I had hoped that the offer would reduce my monthly outgoings so that in the event of...

Yeah I realise that now. I had been assuming that but of course nothing is that simple in finance! :)

Thanks for the reply. I hadnt really thought about the deposit risk - mostly because the money is in the same bank as the mortgage so in the back of my mind I guess I figured one would offset the other if the worst came to pass. Anyway you have made me think again. I will give PTSB a call...

I heard you on Drivetime Brendan. Tuned in especially :) Good, clear interview. I tend to agree with you that people will mostly hold off on a wait and see policy. Having listened to you, I think I will wait and see what happens with this round. I have just under €98,000 left and 11 years on...

Many thanks for the reply. I will check that out :)

Hope this is the right Forum! Does anyone have any advice on whether the Ulster Bank Index Combination Bond is a good investment? I have about €30k to invest and I wanted to move it to Ulster Bank anyway for more security, i.e. I understand their money comes under the UK guarantee scheme in...

Thanks Peteb :) I will be sure to get that checked out if it comes back again. Cheers

Thanks everyone for your replies. Sorry I havent replied before now but my darn internet went down. Grrrrrr.... I left things alone for a couple of days and blasted the car with hot air while I was driving. I figured it was worth while seeing if it dried out and didnt come back. Yay! It did! I...

Thanks very much for your reply. I dont have aircon though. Its a Honda Accord. My friend this morning said it could be a radiator leak?? I will have to get it checked out but due to work commitments I cant do anything about it today or tomorrow. Hope the floor doesnt fall through! Images of the...

Hi there Anyone have a clue what could have caused the floor of my front passenger seat to get soaking wet? I mean sodden completely. I only discovered it last night so havent had a chance to get it checked out. Just wondering if a leak of fluid somewhere in the car could cause this? There is...

As far as CE (Community Employment) goes, one must be on the Live Register or in receipt of a Lone Parents Allowance to be eligible so the course provider will have no say in it. FAS have the final say and if those criteria arent met then a person cannot be started on the scheme. You need to...

I had similar problems getting a house deposit back. It took nearly six months! Write to him and register the letter. Always put things in writing. Best of luck

I would see if there was something I could do about getting the customer back in urgently - maybe within a day or two - for re-inspection. I would still fail it but try and help some other way. Not knowing the system I dont know if thats possible but if it were thats what I would do.

Thanks for your response. I will check this out on the server but it seems unlikely I will be able to get emails from last year in any event! Thanks again

Yep - just checked. I lost my upgrade too. So did my daughter by the way.... Im leaving 02. Ive been a customer with 02 for at least 10 years.