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Hi Elacto, thanks for taking time to reply, I get your explanation but the way the bank is communictaing it is different. They say we owe revenue for what we were overpaid as a seperate discussion. What we have is interest credit on our account, so in affect we can have no TRS while we are in...

Hello, I am trying to understand the logistics of this. We were fortunate enough to get our tracker back. We received a letter saying our tracker would be restored and we would receive back payments in interest and capital to when we should of initially been returned to tracker. We received...

Hi, Our neighbours are having their attic converted soon and they are talking about splitting the steal beam to allow the stairs to come up. Does this sound right ?. How would this work without compromising the roof support. Thanks

But with rents so high its doesnt make sense to rent long term. When you retire you are still paying a rent, while those who bought are mortgage free ?.

Hi kaza, Sorry for late response. Yes we fixed but only by way of a letter and we never signed a Fixed Rate authority form. So therefore we never received a warning that we would loose the tracker. In the end the bank settled our case without it going to the ombudsman.

If you are applying for joint mortgage based on two earnings they take age of older one I think. So you are 34 and your husband is 40 you could only get a 25 year term. With people having to stay where they are today cause of negative equity, pyrite problems, jobs or other issues, you dont see...

Just a quick update. We are delighted to hear we will be getting our tracker back. Bank have contacted us to inform us after we took our case up with the Financial ombudsman.

In the same position as you, along with thousands of others. We both have jobs and are not in arrears either so we have to keep going I suppose. Still it is not easy.

Just rang the bank and it seems the 30 % relief hasnt come into affect yet. They are expecting it sometime this year but they dont know when ?. Wierd.

LowC02Design thank you very much for your reply it is very informative. It is a pity you are located in Cork cause I would pay you to look at the problem. To answer some of your questions one of the BER contractors that have quoted us 13,000 for the work said he would replace existing fibre...

Hi Just wondering what advise I can get around this. We have a Thermal Bridging problem, onlty noticeable in our living room. We were told our insulation was of minimal qulaity and that we should replace it with Dry lining boards. Currently it is batons and Fibre glass. We wonder first...

This may be a stupid question but like the banks here do you not need an address in Germany to have a bank account in Germany ?.

Thanks for the reply, have the option of paying a medical bill this year or next so was just wondering. Tks.

I had considered availing of the dry lining grant as we have insulation problems and thermal bridging but there is a 650 euro drop in new budget which is a massive difference. I would imagine there will be a big reduction in numbers availing of this scheme.

Is the rate at which you can claim medical expenses for 2012 still 20 %

So if you already pay management fees and your estate is not owned by council do you pay this charge ?

Hi, I would be very interested to hear how many people have had a successful outcome with the law society. We recently complained to them regarding our solictor that represented us with our house problems. In the correspondance between the law society and the solicitor the law society...

If I were you I would definitely take the 4 day week. I know 20 euro a week is a lot with your current expenses but if you can afford it, it would be well worth it. I am in a similar situation and I find it very stressful just because I know the kids won't be babies forever and would really...

Thanks theDaras. We will send our files to the ombudsman. The banks have written to us and their stance is that they can't find the form but that we would of signed one when we changed from the tracker in 2007 and that form would of said we would revert to Standard variable. However we have...

I should add to the above that it kills me as a mother to work full time and sacrifice all that time with my young kids. I do it because I have to.