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    Selling apartment but AH sellers devaluing MV

    You are not understanding the calculation that formed part of the contract when you got the house. You simply cannot say that there is a "profit" because the property is worth more than the subsidized price you paid. Only the amount over the market value of the property at the time of...
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Just to inform anyone as to options Court - it would be the high Court. Minimum costs in excess of €100,000. Always good to know that about 30% of the legal profession annual fees are paid by the banking sector. They will throw the best legal team against you. Waiting time - approx 2 years...
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    I have looked over most of the thread and can't see that anywhere. If anything some posters are tripping themselves up. Eg - stating that the base rate is the ecb rate, then stating that a 5.33% variable base rate is suddenly a 1.33% tracker. Also some posters are adamant that base rate can...
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Variable rates have always tracked the ecb rates and previously the central bank of Ireland rate. It was only around 2010 when the banks realized that there was nothing to stop them not tracking the ecb rate for variable rate customers. And unfortunately, without anything that has the word...
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    Credit Union Car Loan

    If finance is costing them 3.5% in order to offer 0% finance, then that 3.5% is up for grabs. The comparison to white goods was just to show that finance houses work on different rates depending on the product. Car financing is at the lower cost level Edit - most credit unions seem to be...
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    Credit Union Car Loan

    As others have said, finance deals are built into the ticket price - whether it's a car or a suite of furniture. Finance companies are looking for 6% apr according to a dealer next door to me. Whereas for furniture and white goods they are looking for 10%-12% (flexifi) The dealer / retailer...
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    Deposit for children's party venue not refundable

    A person should assume that a deposit is non-refundable unless stated otherwise. You should not require terms and conditions to tell you something as basic as that. From CPCC If I change my mind about buying the item or service, can I get my deposit back? The obligations of the contract work...
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    Excellent after-sales service from 2 on-line sellers

    Successful online stores are successful due to their understanding that without face to face communication, you need to go over and beyond on your customer service. If that means taking a hit on a couple of issues, then you need to allow that. Problem is too many stores try to combine bricks...
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    Deposit for children's party venue not refundable

    And if the play center cancelled using that excuse, would you think that's OK too? If someone is unsure about making a booking for something, then ask for a provisional hold for a few days. But once a deposit is paid, a contract is formed and it is to protect BOTH parties.
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    Deposit for children's party venue not refundable

    Why? What do you think a deposit is for? What would you do if the center decided to cancel for no reason? The center is fully entitled to keep the deposit and provide nothing. Instead they are being fair and allowing it against another booking But yet you think that they should be...
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    Deposit for children's party venue not refundable

    A deposit is non refundable unless mentioned otherwise. You entered into a contract. The deposit secured the date and closed off those spaces to others. I think they are being very fair in allowing you use it against another booking.
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    Will KBC give me a discount for early repayment of my tracker?

    Unlikely unless your tracker is under 0.5% above ecb. Banks can currently borrow at 0%. Cost of servicing a mortgage is less than 0.5% overall and less than that if you have a good record. So the loan is profitable for them, albeit a tiny profit. So zero chance of doing a deal. I'll guess...
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    Why don't we have electronic voting?

    The main issue was fear. People were told that there was "potential" for fraud. There's massive potential for fraud in the current system too (especially postal votes) The other issue that the media hated and therefore got behind the "fear factor" was the instant result. That's corrected by...
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    Why don't we have electronic voting?

    Under what I said it's still a secret ballot. It's a printed record of what a voter who turned up at the polling station decided. No identifying mark is on it, but allows for checking.
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    Post A Quote Thread

    From "have I got news for you" After Theresa May was described as "the UK's worst PM ever" a look at the leadership contenders has meant this quote is now changed to "worst PM so far this year"
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    Why don't we have electronic voting?

    Surely in this technological age an electronic voting system that prints a record of how a person voted in a secure hold for sporadic checking can be easily and quite cheaply be developed. They can still announce results round by round to add some theatrics, but it would get it over and done...
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    Littering and dumping of domestic waste

    Relatively easy solution. Add a refuse/recycling service fee to the property tax. The company you sign up with applies for this payment from revenue. Then you pay just for the actual waste itself. As the service fee (probably €200) would include recycling collection, the additional cost...
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    Selling apartment but AH sellers devaluing MV

    The council did not row back on the agreement. I looked at the agreement as per the post and it was quite straight forward how it was constructed and the calculations the council are providing are correct. Possibly the poster thought otherwise and they may not have been informed properly when...
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    Election Results

    So after 200,000 of the 720,000 votes were rechecked in Ireland South and just ONE vote was found to be incorrect, Sinn Fein want the taxpayer to spend close to an estimated €1 million on a full recount. Their excuse - the check today was only on a small portion of votes. 200,000 out of...
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    Selling apartment but AH sellers devaluing MV

    I said "in effect" they are equity holders. The way some people want to understand it would make absolutely no financial sense. That you accepted the council's higher than market value is a different issue, but it that value that will be used by the council in the clawback. People would have no...
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