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I put 100k inheritance towards my mortgage because I was worried about down the line as niceoneted points out - job, payment size and so on. As it turns out it was a very prudent move as work is bad and the rates have gone up, pushing the mortgage up by 22%!. But because of the lump sum, even...

The Revenue Affidavit end of things is part of the probate and is done BEFORE the Grant of Probate is given, there is no exception to this. So the excuse from the solicitor that he is waiting for Revenue is waffle. If you ring the Probate Office they are very helpful. You can also call in to...

welcome to aam mbnahelp. Don't worry about the 'heavies' calling to your door. Any agency can do nothing more than basically harass you with calling, letters, phone etc.. And if the level of that is harassing then you can complain about it and have something done. If they ever laid a...

So say you did earn a fortune in the next 30 years - that's 20,000 after tax to pay back to the bank. When you show the bank this on paper does it sink in? Have you asked them outright where do they think you will get that sort of spare cash to repay? I know the questions might sound childish...

In a different post Brendan made an informed guess of 10,000 unsustainable mortages in this country that must be addressed if the population is to move forward. In financial terms, what defines a mortgage as unsustainable? Is it a ratio of debt to loan? Is it a figure that when divided...

Do many people call on the help of others to deal with the bank? Are people that much under the thumb from debt that they lose their nerve to deal with the bank directly?

No, a lot of till receipts are generated on thermal paper, there is no printed ink on them. If you keep paper out of sunlight the ink will last longer.

Thanks boomtobust, just the news none of us want to hear! Bless those rational thinking bank folks.

What is the general guide to an 'unsustainable mortgage'? OK I know if you have not job and your are in arrears that can be looked upon as a non runner, but work will come back some day. Is there a kind of formula? Or is it when you pass a percentage of the loan value in arrears you are then...

So ultimately the bank can get a judgement mortgage and it loses effictiveness after 12 years? Is there any way it can be extended by the bank? Then you have to get it removed at your end?

If they make you pay interest with it first, they get all their profit. When you start chipping into the principal at an early stage in the loan, they gain much less as twofor1 pointed out.

But will the government see sense? At the rate the banks are being amalgamated, it will be one bank left! Hardly competition? Reducing rates might ease the suffering of the SVR customers but will they since Brendan pointed out in a key post somewhere that they are making money on those loan...

I am sure you have tried to let the bank know you are skint. It's up to them to realise quickly that this horse can't be flogged any more. Given the amount is so big, they might not even waste the time doing the legal thing. At the end of it all as you said, there is not a hope in hell in...

Thanks for pointing that out. I didn't go there because he is asking about it and I don't want to drift off the subject.. Good maths. I am aware of the savings - many others are not, sadly.

Sorry that most of the builders in your experience are not up to speed. The ones I deal with are. Double leaf is one way to build. Of course there are a dozen other ways. I'm just keeping it simple for the woman. Just how many projects are built with innovative techniques or methods? Her...

Architects will usually only spec what U-value the external walls need to achieve for regulations. There are a dozen ways to get the house insulated. Kingspan, Xtra Therm, Quinn all do foilfaced foam boards which is the best insulator to thickness ratio. Kingspan being considered the premium...

BIK30. Veneered doors are not durable or upto any abuse. The slightest knock will mark them. Problem is the cheap rubbish wood used to make the core of the door. Sometime if you are lucky it's furniture grade chipboard but the nasty doors are made with really bad softwood which does not give the...

Insulation in the oven and the fridge keep them safe. On top of that you have the unit which is 18mm chipboard. So they don't fight each other. Working in the game for 20 years.

you could lower it as little as neccessary and put foil backed foam insualtion around it. Probably the best insualtor for the thickness of it, which starts at 25mm and goes up to 150mm. Don't forget to do a lid for it and cut a hole for the expansion pipe to sit over the tank. If you can reach...

Tiled floors are a major heat loss. The rough guide to heat loss is 30%up 30%down and 30%sideways. No matter how good the insualtion is above or beside you, the heat will escape down. Any building material made from stone/tiles/concrete has no reflective or insulating rating. Tiles are down on a...