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    Accident with substandard tyres, insurance company refusing cover. Options?

    Just skimmed my own (Liberty) policy booklet and it has this section which, I imagine, is common to most or all policies (even if the punctuation is a bit odd here!): It also has a "Duty of care" section which, I think, was mentioned by somebody earlier and which, among other things, says...
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    Accident with substandard tyres, insurance company refusing cover. Options?

    If you are not satisfied with the insurance company's handling of this claim then complain to them about it and ultimately get a final response letter from them then you can go to the Financial Services Ombudsman and make a complaint to them. https://www.fspo.ie/ But, honestly, I'm sorry to...
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    Has anyone checked their credit rating on the Central Credit Register

    Brendan asked me to try it and I also thought it was awful. I won't go into the details because there are so many issues. Not all "government" sites are that bad. CitizensInfo (admittedly basically static content) is OK. So is Revenue myAccount - slightly quirky in some cases but overall...
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    VHI Alternative Therapies VHI

    Just wanted to say thanks again to @snowyb for the advice/suggestions. I have just moved my mother from VHI to Laya and saved her more than 50% on her annual premium as a result of this. Thanks a lot!
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    Over 8 years of non payment and no repossession

    He doesn't say who told them to stop paying the interest. Yeah, right! Er - the same report says that there's still €1.25M outstanding, €374K in arrears and the legal costs which the lender is footing while the property is worth about €800K at the moment! The mind boggles...
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    Over 8 years of non payment and no repossession

    I was absolutely gobsmacked at the outcome of this case today but maybe I'm just naive. This sort of arm chancing seems to go on a lot judging by a lot of the repossession court reports posted here in the past. As others have mentioned it does make one feel like a mug for assiduously paying...
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    VHI Alternative Therapies VHI

    Hi @snowyb - thanks a million for the very informative and helpful post. Apologies for the delay in replying but I only saw it now (AAM email notifications still don't get through to @hotmail.com addresses for some reason). Thanks again - I need to have a good read of that info.
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    VHI Alternative Therapies VHI

    VHI HealthPlus Extra - April 1st. €2.3K p.a.! :eek:
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    VHI Alternative Therapies VHI

    Check out the HIA website - it has some useful policy comparison info and tools. Unfortunately many policies do offer cover for quack treatments meaning that we all foot the bill for it. Slightly off topic I'm trying to get a better deal for my mother who has been on VHI Plan B (or the current...
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    Pension "fragmentation" and options for consolidation

    And, again, I'll say...
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    UK passport holder - first Irish passport

    I would expect so but can't find anything that clarifies this online. As you say, Irish citizenship does not require other citizenship(s) to be given up so I would expect that you'll get your UK passport back. Do they not also allow for a copy certified by a relevant authority rather than...
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    When should I think about retirement

    Hi @SBarrett - I'm still confused about the "charges" issue here and on my own separate pension thread. Can you clarify simply what a punter should be looking for if just looking at the headline charges (AMC and allocation rate) is insufficient?
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    Financial advisor for pensions (PAYE)

    Deleted post - ignore.
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    Financial advisor for pensions (PAYE)

    Over the long term that's reasonable advice!
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    When should I think about retirement

    You can probably get a PRSA or personal pension plan with better than 95% allocation rate and 1% annual management charge of you ship around. On another recent thread somebody (@SBarrett I think?) mentioned 100%/0.5% being possible. Again, a caveat to mention that some others (e.g. @Marc) argue...
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    Pension "fragmentation" and options for consolidation

    You've lost me. Again. How on earth do allocation rates and annual management charges NOT reflect the charges payable by the customer? I'll allow that there could be ADDITIONAL effective charges that are not transparent but, as I've said, the average punter has little insight into and...
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    [Enduring] power of attorney or not?

    Fair point @Sophrosyne - thanks.
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    When should I think about retirement

    I don't think that there are any "no risk" options. Every investment involves some level of risk - even just the opportunity cost/risk of selecting it over another. E.g. even cash is not no risk due to inflation for example. But there are options that are lower risk (and consequently lower...
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    Pension "fragmentation" and options for consolidation

    Thanks @SBarrett- can you clarify what you mean by personal pension contracts here? PRSAs? Personal Pension Plans? PRBs? Something else? All of these?
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    Pension "fragmentation" and options for consolidation

    So you keep saying @Marc but, in practice, many/most punters can't do much about this as there's not always any like for like index/fund to compare against to get a better idea of effective charges. So, it seems to me, that until/unless the powers that be introduce a more transparent...
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