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    Small Claims Court - Business To Business

    As far as I am aware the small claims court is not for debt owed business to business it is only where there is a terms of contract dispute or breaches of a lease agreement. You should try a solicitors firm that only charge commission as 0 collected is 0 cost to you worth a punt.
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    EBS - Annuity (Buy to Let >75%)

    Hi Folks, I was wondering if anybody has been successful for redress with the above loan type. I bought an investment property which I received redress for but the loan which was charged to our house for the balance of the purchase (EBS buy to let balance loan) has been deemed by EBS not to be...
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    Statute barred debt

    However, if court proceedings have been issued against you by Cabot the 6 years start again from the date of the issue of those proceedings.
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    Split Mortgage - Can we switch lender?

    Sorry Brendan, I meant that it was the only one I got some concession on as opposed to excluding it from the credit assessment. 18 mths left before that offer expires and 100K is the split amount before the discount. I regret that I have no relatives or friends who would be in a position to...
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    Split Mortgage - Can we switch lender?

    Hi Sarenco, Not harsh but don't think it is a fair point either. I have repaid all my debts under arrangements without relief (excluding my mortgage) and have been paying my mortgage without fail for nearly 3 years do you not think I have proven my "ability to repay" after some very serious life...
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    Split Mortgage - Can we switch lender?

    Hi everyone, I was just wondering if anyone has been able to switch lender with a split mortgage. We have spent the last number of years clearing all our short term lending car,cu, cards etc.. without going to the ISI for debt relief. As they are all repaid we now have increased income but not...
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    AIB tracker redress

    Papers stated that it was 25K for buy to let and €50K for PPR but I am sure that was in cases where loss of home was proven due to tracker error only.
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    AIB tracker redress

    Thank you for the reply sorry to hear that it does not compensate you fully I assume therefore it is not at PTSB levels? I would suggest you seek a data request before you submit the appeal in case there is something in your paperwork which would strengthen your appeal. Best of luck with it.
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    AIB tracker redress

    Hi PFS7979, I was wondering if you are happy with the compensation amount you received as you did not say if you were.
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    Transfer of money to sibling

    I would suggest that you have your brother transfer the funds to your bank account or open one up for the transfer as soon as possible. In the eyes of the credit union you are no longer the beneficial owner of these funds nor have any access to these funds even if you had authority there would...
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    Credit union loan insurance

    just to clarify the disability claim must be supported by medical opinion that you will be unable to return to ANY kind of work not just your previous occupation for such a claim to succeed.
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    Credit Card Debt & Credit report

    A debt is "Statute Barred" when you have not made a payment or acknowledged the liability (usually in writing) within 6 years. After this time the debt cannot be pursued through the courts and this would be a valid defence. If you make a payment or acknowledge liability the 6 years start again...
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    Debt Collection Saga

    The above post is assuming that they will not use any other enforcement options instruct the sheriff, publish the judgment and/or register a judgment mortgage if mickeyg has any property to register against. Yes it is true that he can have his day in court if they apply for an examination...
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    Debt Collection Saga

    The notice of intention to proceed suggests that you previously received proceedings which were served over a year ago hence the receipt of the notice of intention to proceed. The notice of intention to proceed would state that the action will proceed after 1 month has expired. Therefore, after...
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    Credit Union - reduced payments ICB report

    It appears that the period of reduced payment was only a temporary agreement and your loan was not rescheduled which is common for all CU's as they need to ascertain can the member stick to the payments before a restructure can even be considered. As there was no restructure, the credit union...
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