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No, Elcata, there was a gap of a few years between stopping the overpayments and paying the lump sum.

I'm sorry that you find some of the information I provide irrelevant and confusing, Brendan. I also find it confusing which is why I'm on AAM seeking advice clarification. You said in your initial reply that 'You will be given a choice of reducing the repayment to xxx or Keeping the repayment...

Just an update on my original post. The situation is as follows: Original loan: 450,000 20 year mortgage Variable rate c. 2,400 per month. 15 months of additional payments of 2,200 a month – to be deducted from the principal. While we were making the additional payments we were...

Many thanks for your reply, Brendan. When we stopped the overpayments we instructed them to do so in writing and notified them that we were reverting to the normal monthly payments. We didn't ask them to recalculate the term but I shall call them to do that now. A number of interest rate changes...

Our repayments have stayed the same (depending on the variable rate). We're with the EBS.

I’m probably missing something here but I’m sure AAM members can help me. We have a 20 year mortgage which we took out in 2009. We overpaid our mortgage repayments for 15 months and also added one lump sum. These payments were deducted from the principal/capital of the mortgage. For the...

I was wondering if anyone here had anymore information (in English, if possible) about this scheme. We already own a property in France and will perhaps consider this scheme in our later years. Also, we were considering buying another property under this scheme as well. Has anyone any personal...

May sound a little strange but you should check all your light fittings. My brother had a similar problem last year and he found that one of the light fittings had a problem (something had melted) and it caused a really bad smell which he thought was water related.

I've just returned from Prague and used Prague Airport Shuttle (they were suggested by someone on this forum). The company were excellent. They were there on time to collect us at the airport and again at the hotel. The driver didn't drive too fast! and she was very friendly. I would definitely...

I would appreciate any suggestions. We have recently moved into a renovated Victorian house and I would like to get someone to advise use about ways to improve the insulation. I'm interested in things like balloons in the chimenys, sealing windows, adding an external door in the outside porch...

Many thanks to you both. I most certainly will do it myself - i thought that I had no choice but go through the solicitor. They certainly lead me to believe that was the case...

Just as we were about to sign the final papers relating to our house purchase the solicitor advised us that we should purchase the freehold of the property in the near future. They quoted us a fee of 1,000 (inclusive of vat) for the work (excluding outlay). Any idea if this is a reasonable price...

Yes I tried it a few months ago and was really impressed. I washed it off after about an hour and it lasted really well. Definitely longer that the normal tan applications I've had in the past. Like all tans the key is in the preperation - exfoliate and moisturise.

I've also used Alpharooms on many occasions and have had no problems. I do find that when you get to the hotel they put you in the worst room (not renovated, dark, down a long corridor, noisy etc) but now when this happens I ask for a room change and it has worked out well so far.

Thanks I called a few companes who advertised that they provided powerwashing services but they never called me back! So decided to buy my own and do it. Hard work but worth it.

Thanks Thanks for all the advice re San Remo. We have decided to go to San Remo for a short two night trip and we intend to take in some of the small villages and towns around that area. We would love to go to Genoa and now plan to do that the next time we are in the South of France. Many...

Am looking for any recommendations for a carpenter in the Dublin 7/9 region. Thanks

Hi, we're heading to Nice for 2 weeks next month and are thinking of spending a few days somewhere in Italy. Can any of you recommend any towns that wouldn't be too far from Nice? Any thoughts on San Remo? We like good food, walks, museums, galleries etc.

Hi, I'm trying to get someone to come and clean and or powerwash stone slabs and patio area in my back garden. Have rang two companies who siad they would get back to me but didn't. Any suggestions would be gratefully received. I'm based in Dublin 7.

I'm not disputing the fact that I should have had insurance on my car even if it was only parked on the road outside my house. I'm sure many people use something similiar as an excuse. If some of you posters who are so quick to judge read my mails properly you would see that my question...