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Hi all, I have finally taken the steps of meeting with MABS, and they have agreed to help us with the following: Credit union loans totalling 21,700 against shares of 7,200 2 X avant card totalling 11,700. Total available for debts per month is €154, according to MABS budget sheet/SFS - this...

Hi - any help appreciated. History - had 2 MBNA credit cards - 1 @ 10,000 and 1 @ 12,000. Entered into pay plan 2 years ago paying 356 per month (196 + 160)- successfully got total debt down to around 12,000. We can no longer afford to keep up with agreed plan as husband is out of work, - so...

Can anyone explain to me what does "charged off" mean? Avant card on the phone to me asking for a short settlement figure to charge off account. Does this mean a full and final settlement, or do they take the short settlement and pass the rest on to a debt collector?

Hi, Does anyone know if Certus - BOSI is offering split mortgages?

Wondering if anyone knows anything about short settlement? Been on paymnet plan with MBNA for just over 2 years - 2 cards, did owe 22k, down to 12k paying at 360 per month. Mortgage company will no longer accept us paying reduced payments on mortgage while paying this amount in unsecured debt -...

I have been on a payment plan successfully for over 2 years out of 5 years - with all interest and charges frozen. Today I received my first statement from Avant card - they are back charging me interest after a promise from MBNA that my payment plan would carry over to the new company. I do not...

Hi all - BOSI putting pressure on us to go up to full payments History as follows Family home full mortgage owed: 188K Value of house: 110K Variable mortgage should be €830 per month Actually paying interest plus a bit €500 per month - increased to €520 from this month. 24 years left on...

Hi all, Last year I was awarded the household benefits package. I am on invalidity pension. I received a letter last week asking who lives with me and what their earnings are. I submitted the form back. Today I received a letter asking me about my eldest daughter who doesn't live with us...

Has anyone ever bought from either Right Price motors in Dublin, or Airport cars in Dublin?? Seen a few nice cars from them RP motors offering 3 month warranty, Airport cars offering 6 month warrranty - both offering 2 years nct - cars reasonably priced - are they too good to be true

Hi, I have a gas central heating system - one radiator always causing problems. Sludge has built up in the pipes behind the wall so ongoing problems for years. After yet another expensive visit from our plumber, we have decided to get rid of just this one radiator, and replace with an electric...

Any help here appreciated. I am on Invalidity pension. Husband self employed, earnings very low, averaging out at just under 200 a week. I get 223.30 from Invalidity pension. 2 children under 18. I applied for a reduced qualified adult dependant last year which was refused on the basis that we...

Would appreciate some advice please. Last week I was involved in a car accident - it was totally my fault, I drove into car at traffic lights. I broke my collar bone, wrecked my car. The other car, no injuries thankfully, and minor damage. I have a personal injury benefit on my policy for 17.5K...

Hi all, we have been on a reduced payments with Bank of Scotland (Certus) for 10 months, paying interest plus a bit of capital, and have been coping with this fine. I rang to re apply for an extension, and they sent me out a different set of forms. Last time it was a standard financial statement...

Hi, can anyone advise me if we entitled to any help from SW. We are married, 3 children aged 10 and 12, and 21 (in college, no income) I get 232 per week invalidity pension, and my husband is self employed. We just got his figures from accountant. Last years figures he made 188 per week before...

Hi, Just wondering has anybody received official notification of automatic renewal of back to school clothing and footwear grant? I know criteria has changed completely, but automatic renewals were meant to be notified by mid June and I havent heard of anyone who has gotten automatic renewal...

Hi, Ive asked this before and got good information from the reply, but was wondering if anyone knows if the rule on CE scheme and keeping full invalidity pension plus secondary benefits has been changed recently - as most other SW payments have been put on reduced payment when taking up CE...

Hi, could anyone tell me can I do a CE scheme whilst on Invalidity pension, without my pension being affected? I have been reading up on the rules, but Im unsure if my payment will be cut? Its only a one year contract - so I really would like to try to see if I would be able to go back to work...

Ok - I could do with a bit of help - briefly and not going into sob stories - MBNA credit cards x2 totalling 21K. Have been paying interest only for 4 years - they did lower the interest rate last month after a phone call. Still paying out 450(ish) per month to them. I contacted...

Hi, can anyone help with this - Im currently receiving Invalidity pension (10 years) and husband is self employed. Business is horrendous as all the country and his earnings are now at an all time low of €183 per week. I have applied to welfare to have a reduced increase for QA, any idea how...