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  1. H

    Moving from Ireland to US. Transfering money

    Good idea, I'l ring up tomorrow, thanks!
  2. H

    Moving from Ireland to US. Transfering money

    Thanks for the replies, Il get on to google to find a representative bank with boi. Sustanon, that sounds quite expensive for a monthly charge, unless I transfer $3000 every 2 months. We will be living in Minneapolis, Minnesota, My US husband will be going on ahead next Saturday to start new...
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    Moving from Ireland to US. Transfering money

    Hiya, Was just wondering would anyone know the best (cheapest) way to transfer money monthly from the US to our BOI bank account? Il be transfering about $1500 every month to honour our irish debts, this will probably be for the next 3 years or so. We were thinking of linking a paypal account...
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    Bank obtaining Judgment - What happens next???

    Ok just rang her to get the exact wording, not quite what she told me before but here goes; "Our instructions are to proceed to register the Banks Judgement as a Judgement Mortgage over your property in the interim. When the debt is paid in full, the said Judgement Mortgage can then be...
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    Bank obtaining Judgment - What happens next???

    My friends husband owes 52k on a business loan, he has agreed a repayment plan. The other day he received a solicitors letter (representing AIB), saying that the first repayment must be in the bank within 7 days. They also stated that they have obtained a judgement against his mortgage and it...
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    How can I manage my debts better?

    Hi Bronte, it was no trouble at all. I just rang up and asked to speak to the retention team. I told them that I had an option to transfer my balance to a different credit card company for 0% but didnt want the hassle, what could they do for me? They offered 2.9% for 3 months or 6.9% for 6...
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    How can I manage my debts better?

    Small update, I see I got my figures wrong in post#13 I added my outgoings up incorrectly, Ive got E692 surplus instead of the E1292, I knew something didnt look right! Ive been on the phone to Halifax with whom I have my CC1 balance of E1200. They have agreed to reduce my rate to 2.9% for 3...
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    How can I manage my debts better?

    Thats a good point about the laser cards Chlipps. Ive got an appointment with my Companys Financial Adviser (free of charge) on Tuesday where he will look at the income and outgoings and see if I can manage it all better. Il update once Ive spoken to him.
  9. H

    How can I manage my debts better?

    Thats a good point, Ive also got 300e due later this month, believe it or not but my work pays us a perfect attendance bonus every 3 months so that added to the 500e should make a nice little cushion. Il lodge that along with the cheque into the savings account. Thanks so much for the help, you...
  10. H

    How can I manage my debts better?

    Good idea, I actually have a savings account online as well as the two other current accounts (from when it was easy to open new bank accounts!) I've got a cash card to go with the savings account, I just need to get a new pin number reissued. Good thinking, thanks!
  11. H

    How can I manage my debts better?

    Hi MissDaisy, My husband knows and hes just not interested in our money affairs, if I said to him, heres 25e to last you the week he'll just say 'ok' and leave it at that. Maybe thats a good thing in a way as it gives me full control of our finances! I was thinking that maybe when the...
  12. H

    How can I manage my debts better?

    Hi, no the 150 is just for food and essentials per week. All the bills, childcare and credit card and loan repayments will go out of the debt account. Was thinking it might go something roughly like this; Debt Account In; 1936 (his salary) 1720 (my wages) 166 (Child benefit)...
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    How can I manage my debts better?

    Hi, thanks for the advice Manica and D8lady. I checked out the consolidation calculator, its very interesting but I dont think Id be able to consolidate all my debt though. I have been proactive though, I requested a laser card for an unused current account I have set up on my online banking...
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    How can I manage my debts better?

    Hiya, Thanks for the advice, Im going to snowball all my debts and not take out any more loans (Thanks Ted!) Chlipps, Il do that, hopefully Il be able to add an extra 100 or so monthly by being more careful. Wish me luck and Il come back in 6 months or so with an update!
  15. H

    How can I manage my debts better?

    Hi thanks for the reply, This is what I was thinking. Yeah Ive consolidated time and time again, maybe its a good thing for me that the bank wont consolidate other banks debts anymore. Its got to the stage where Im actually scared that Il never be debt free. I think Im getting slightly obsessed.
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    How can I manage my debts better?

    Hi Sam, thanks for the response, Unfortunately the term loan is with BOI and they are only willing to consolidate CC2 ( which is BOI) and the overdraft (Also BOI). Im not sure what the interest is on the overdraft but I pay in the region of E80 every 3 months in charges. CC1 is with Halifax...
  17. H

    How can I manage my debts better?

    Age: 34 Spouse’s/Partner's age: 30 Annual gross income from employment or profession: 26'000- E430pw after tax Annual gross income of spouse:25'000 -1900pm after tax + 166 CB + 41 ECS Type of employment: e.g. Civil Servant, self-employed Both private sector, permanent...
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