Search results

  1. S

    one person tax credit being restricted to principal carer

    Just to clarify. I am in receipt of the additional credit and increased cut off for One Parent Family Tax Credit. However my wife (we are separated and living apart 50/50 custody of 2 kids) works part time and gets a reduced social welfare one parent family payment but no tax credit as she...
  2. S

    A split mortgage is just like converting an overdraft into a term loan

    At ptsb they are charging 1% variable interest on the warehoused portion as far as i know. SB
  3. S

    Case study Separated with children - unsustainable mortgage

    ClaireM yes its PTSB. And you are correct it will be 1% Variable rate on the warehoused amount. In conversation with them they said the maximum they can shelve is 50%. I don’t know how they come up with their figures but the restructured amount they have requested is €666 per month which i...
  4. S

    Case study Separated with children - unsustainable mortgage

    Thats exactly my thinking, the mortgage is unsustainable in the long term. If we sell the house i will be worse off and so will the bank as i am the only one working so i could not afford to pay rent for myself, rent for the ex and kids, maintenance and then pay off the neg equity. Looking after...
  5. S

    Case study Separated with children - unsustainable mortgage

    Brendan No it mentions nothing like that. Just the usual type of info for a restructured agreement, eg. Current Capital Bal, Current Term Remaining etc etc. I have written to them to tell them it's not something I am willing to sign up to and requested they offer an alternative arrangement...
  6. S

    Case study Separated with children - unsustainable mortgage

    Hi Brendan The letter they sent states that the split mortgage is what they feel would be a long term solution for me. The offer is to pay for 6 months a restructured amount of €666 which is what the split mortgage amount will be if and when it is put in place. After this initial 6 month...
  7. S

    Key Post PTSB launch new split mortage

    I have been offered a split mortgage by ptsb Brendan, I have a tracker of ECB & 1.1% and have been offered a split mortgage (ptsb), all be it after an initial 6 month assessment. However the restructured amount they are looking for is more then i can afford in addition to all my other...
  8. S

    Case study Separated with children - unsustainable mortgage

    Brendan Don't have any figures yet. Have asked ptsb to send out specific details of the offer for me to review. I received a letter from them advising that the split mortgage would be best for me taking into consideration my circumstances. I will post details once i receive them for...
  9. S

    Case study Separated with children - unsustainable mortgage

    ptsb Split Mortgage Just wondering if anyone has taken this option with ptsb. I am currently on interest only and have been advised by ptsb that this would be the best LONG term solution for me as i have requested something long term instead of having to review interest only every 6 months...
  10. S

    Cancelled Flight (Aer Lingus)

    You think so do you? How about missing appointments because they booked early flights home and ended up missing them and also had to re arrange other meetings etc. Yes they got home 12 hours after they had planned. If you pay for a service you should get that service. Simples. If you...
  11. S

    Cancelled Flight (Aer Lingus)

    Hi All, Just wondering if I have this correct. My folks were due to fly from Faro to Dublin yesterday at 10am. When they got to the airport they were told that their flight was delayed and given food / drink vouchers. Later on they were told that the flight was now cancelled and taken to a...
  12. S

    Case study Separated with children - unsustainable mortgage

    Hi Brendan Could you offer any advice on the following. We are married but seperated in May 2011. We have joint custody of our 2 children. Not legally seperated yet as the house / mortgage is the big sticking point. Personal and income details Income self: €42,000 Private Sector Income...
  13. S

    Tracker mortgage holders only -its not really THAT bad for many - solution for others

    I like your thinking and i really hope this is one of the options the banks offer.
  14. S

    Which Laptop

    Thanks all. Really like the Acer Aspire One 753. 4 GB Ram 500 GB Drive Interl 1.2 GHZ HDMI Webcam Windows 7 etc etc, €399 in Beyond 2000.
  15. S

    Which Laptop

    Hi All Looking for some advice, I am looking to buy a laptop. Don't need it for anything in particular just day to day browsing, word, excel etc. I have about €400 to spend. My questions are, 1. What make to buy? 2. Where to buy? Cheers SB
  16. S

    Tax Relief at Source

    Hi All Was wondering if anyone could tell me how much per month TRS i should be getting. We bought as first time buyers in 2006 with a 100% mortgage. Mortgage was 310K OS 286K Term 30 years Rate ECB + 1.1% Cheers SB
  17. S

    Pre Arrears, Advice Needed.

    Right, So the proposal from the bank is another 3 months moratorium and then onto maybe 6 months interest only. Im getting the vibe that the bank hasn’t a clue what to do with people in my situation and are waiting to see what other banks / government decide to do or maybe not do. Or else...
  18. S

    Taxation after Separation

    mandelbrot: Thank you very much. A lot of relevent information provided and all explained great. I will have to sit down and go through it carefully. Clubman: Thanks again for your help too. Many thanks again SB
  19. S

    Taxation after Separation

    Thanks Clubman I appreciate your time, I am making voluntary maintenance payments. Yes as far as I know maintenance payments have to be court ordered to be tax deductable, I have read the guidelines for the year after separation and as she will not be returning to work I will be taxed as a...
Back
Top