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  1. M

    TV wiring in home rennovation

    Hi all, Looking for recommendations on wiring in a home rennovation. We're putting Ethernet to all places we're expecting to put a TV now or in the future. Was considering Coax also and potentially more also. looking for advice which way to go. In the past, we've used the Sky service. Have...
  2. M

    Tax Treatment of Landlords has to be Revisited

    Rent a room doesn't work like that. If you go €1 above €14k, you're liable for tax for the full amount i.e. €14001 is fully taxable, no relief.
  3. M

    Pre 63 sale, question about vacating property.

    End of lease is largely meaningless these days as you have to give notice based on the RTB rules regardless of whether the lease ends tomorrow or whenever. As Far as I know - and I don't know much about Lease agreements, so let someone else validate this - but these days, the lease really only...
  4. M

    AIB I fixed one half and got €1,615 - but the other was on a tracker

    I had raised an Appeal via BDO, but held off appealing to the Ombudsman pending some class of decision as advised here. I'm going to raise the appeal to the Ombudsman based on my aruments previously raised (and rejected btw). My argument is not about the previaling rate at drawdown, rather the...
  5. M

    AIB I fixed one half and got €1,615 - but the other was on a tracker

    Brendan, Thanks for everyting. There is another variation on the split that's not listed here. Some people have split mortgages with one half tracker and, at the time, one half fixed. When the fixed portion broke, they were placed on variables with no option to go on tracker. This...
  6. M

    AIB My appeal delayed due to "additional issues which require further consideration"

    I expect anyone with a split mortgage will be put in a single bucket - staff or otherwise. One of the Appeal responses may have hit the nail on the head and gotten some proper attention, hence everyone in that subset of prevailing rate borrowers will probably be offered the same outcome (which...
  7. M

    AIB Alternative: How to respond to AIB's 2nd response to Appeals Panel

    Bank hasn't challenged my second response either. Panel will look at it in July according to BDO
  8. M

    AIB AIB has calculated the refund on tracker from the wrong date!

    Are you saying we should stoop to the banks' level and take everything we can whether entitled to it or not? Let all the other customers pay for it and it's okay cause it wasn't noticed?
  9. M

    AIB AIB's Appeals Panel standard rejection letter on prevailing rate issue

    Do you know what the process is with the Ombudsman? Is there a hearing? or do you simply submit your argument as you've done with the Appeals panel? Do they acknowledge your application set any expectation on timelines e.g. case will be considered in 10 weeks etc.?
  10. M

    AIB Different argument but standard rejection letter from Appeals Panel

    Trackaib, have the Appeals Panel already reviewed your case? Or have you just been given AIB's response to your appeal? Would you mind sharing the text of their judgement?
  11. M

    Best Buy for up to 90% LTV

    Is there a more recent thread with the latest best buys?
  12. M

    AIB AIB warns of further tracker scandal costs

    It's also quite possible there are other cases still under consideration that they believe will not open the floodgates on the full 6000 that they're now making provision for. How is the figure of €25k (on average) per claim in the 6000 calculated?
  13. M

    AIB AIB warns of further tracker scandal costs

    AIB warns of further tracker mortgage scandal costs Today in the Irish Times Article says they've a €265M provision for this. Not clear that this is the amount they had previously provisioned and that needs to be revised upwards or if this is the new amount
  14. M

    AIB Step by step guide to making an appeal on the AIB €1615 tracker

    For anyone who hasn't requested their pack yet; AIB issue a case number against each pack they send out. I requested a pack electronically and they initially refused, but then agreed after creating a case number for me. Do this and avoid a 7-10 day delay
  15. M

    AIB Aib half fixed half tracker

    I'm in a similar situation. 50 /50 mortgage in 2017. Original offer letter was for 100% of the amount on tracker. Fixed for 5 yrs on half, didn't fix after. Other half on 1.1% margin tracker. Did get a letter in March (and 1650 cheque that I haven't cashed) and have requested an appeals pack...
  16. M

    GDPR (data disclosure) request from banks

    I think it does to a large degree: "The sort of thing I'd like to know is what information are you entitled to and specifically whether one has a right to access: - E-mails - The bank's file notes - Drafts of letters" "Under Article 15 of the GDPR, you have a right to obtain a copy, of any...
  17. M

    GDPR (data disclosure) request from banks

    This should help dataprotection.ie/docs/Making-an-Access-Request/1715.htm Sorry - my forum account doesn't let me post working links
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