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Hi your husband can do a voluntary transfer into both your names if he wishes. This voluntary transfer can then be lodged in the land registry and the property would then be in both names. The mortgage won't be affected. It will still be in his name alone. The only way to have your name on the...

Well it's actually a legal obligation. The more people who write and complain the more likely the regulator will be to act.

Thanks for those links. It seems it's pretty much across the board. I rang the financial regulator this morning and they advised me to write to them lodging a formal complaint under the consumer protection code. I stated that they would probably send me a statement by return but the fact remains...

Hi, has anyone here had their mortgage taken over by pepper? If so do you get an annual statement from them? I used to get one from bank of Scotland every january but two years in a row now I've received nothing from pepper. Anyone else in the same boat?

You only pay one fee ! So if the house is between the value of 200,001 and 400,000 then the fee be €700. If you are registering a mortgage you will pay €175 For that. If it's a new house a further fee of €75 to open a new folio. Your solicitor will give you a bill.

Depending on how it was lodged a first reg can take years. There can be many queries raised on the title. The land registry assigned a 'dealing number' to the application when it was lodged by your solicitor. They would need this number from you before they can talk to you. You won't have a...

Sorry the relevant subsections are: 88 (5) A housing authority may, subject to subsection (6), enter into an agreement with a holder of a licence under the Central Bank Act 1971 , a building society or other financial institution that a charge proposed to be created by it by a charging order...

Yes, I'm new to this site and I couldn't edit when I realised it was only commenced in June of this year. Anyways the legislation is in force now so owners of affordable apartments can now remortgage!

This is a thing and security staff don't care. I was going on a weekend away to the UK and only had carry on luggage. I had two clear plastic bags of liquids the usual stuff make up, perfume etc. The contents of one of the bags was worth well over 250 if you count the perfume and make up. When I...

Hi, these changes were brought in under the 2009 Housing Act. I can't post links but if you look at section 88 (6) (b) (i) and (ii). The staff in the council might not know it but these sections grant them the power to consent to the new mortgage having priority over their charging order. You...

They won't be in the money with the tracker rate I have, far from it !!!. Nmda it's sounds to me like you should put in a data access request yourself. You need to find the facility letter as that will set out the terms and conditions of your loan offer. If your tracker rate is set out in this...

Hi, if it's registered title ( you can tell this if a folio number is quoted on the discharge) you have to lodge this in the land registry. The fee is 40 euro. You don't need a solicitor. You will need picture id and proof of address. If you can't attend the office in person you can download a...

Hi, I'm another one of the homeowners who have had their mortgage sold. Like you I've never missed a payment. I'm actually on a tracker mortgage so I'm in a better position in that my rate is set a percentage above the ecb rate. I just wanted to clarify something for you. Pepper have not...