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Here is the link to the other post:

I have a good few mortgages with PTSB and from my own dealings with them, you are better of dictating your own terms (ie you are taking x amount of months holidays etc). They are in a total mess at the moment and once you are not at the top of their list of arrears cases then you will be fine...

I'm in a simliar situation - I'm not a FTB but the wife is....my plan was for her to buy a house in her name, mortgage in her name only etc....I'd pay the loan back...solicitor advised that we need to pay stamp duty. We're not in a mad rush - my own view is that stamp duty will be abolished...

Please beware! Click 2 is a private company offering a listing service. There is no fee to rent a property under the RAS scheme. They are also promoting a rent collection service - the govt will pay click 2 let then they'll deduct their "management" fee from the rent and submit the balance to...

As what i would call a professional landlord, i would advise you to: 1. Take as many pictures as possible and have your camera imprint the date 2. Get the property back in shape ASAP as you are losing rent each day it's empty 3. By all means put a claim in to the insurance company but from my...

Re the trackers, PTSB did amend their loan offers some time ago for trackers and had a clause which read something like...should the ECB rate become an unsuitable reference rate the bank reserves the right to use another interest rate for the purposes of this tracker loan......(i cant remember...

I know that they can go up and down but I thought it was worth a try.....! The gf is putting pressure on me now to sell the fund investment and pay the 10k back but she is risk adverse and I on the other hand....

Hi, I opened a new credit card from MBNA. Got an 11k limit. They are now offering interest free money transfers to a current account for 10 month. So I transferred 10k into my current account with Rabo Direct, then invested this money into one of their funds. It's up 600 in the past month so...

Hi guys, What is a reasonable amount to be offered for a debt of 8K? I am owed this by a creditor who says they have no cash. I understand in the "current climate" that money is tight. It was for a service and I didnt have to pay for stock etc to sell on. I presume that if i were to get a...

Hi, Whats needed by a solicitor for them to sign a contract to purchase a property off plan on a purchaser's behalf...? This relates to an off plan purchase of a flat in London and the solicitor is based in London. Does anyone have any experience of this???

a 2 bed apartment for 225 plus vat in Dublin.....includes sei fee.......also got a 3 bed house done for 315 plus vat....shopped around but also wanted someone who knew what they were doing!! the guy that did them told me there were taxi drivers at his course who thought they just needed to turn...

very difficult at present as unless you are agreeing prices now the price you agreed to pay will not be the same as the valuation which will affect your LTV and you will end up putting a big % to the mortgage to complete the sale....

Apologies I wasnt sure which one to put it in so i put it in both. Not sure if it is against rules of posting??

Hi guys-quick question... Are losses from spread betting enforceable.....i.e. if you owe a spread betting company i.e. ...index money from bets, can they pursue you though the courts.....are gambling debts (as SB is gambling) enforceable?? I thought they were not, unlike in the UK where they...

I received the refund cheques in this morning's post for y/e 2007 & 2006. Not bad going!!

Hi guys, I very recently submitted tax returns via ROS for 2005,06 & 07. In each year I am due a refund of tax paid. Can anyone advise as to the next steps? I used to engage an accountant several years ago then neglected to file returns. Do i get a statement from Revenue showing the refund...

Further to a previous thread I started, can you PM me if you are about to close on a brand new apartment in the Sandyford area, just let me know the development......

The other alternative is that the developer reduces the contract price to reflect a more favourable price to the purchaser. The first option is great in an ideal world except that in the current climate the banks are in trouble with developers, this is well publicised so now that we are not in...

Thanks for all the replies. I will see what happens and update you once I have some news!

I completely accept that the contract is legally binding. I did intend to be bound when I signed 2 years ago. I am not completing and will suffer the consequences as to complete would mean acquiring a property for 500k+ which has a current market value of 400k. The market value is probably way...