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  1. M

    Cost of a concrete base

    Hi there just wondering how much a concrete base 6mx4m and 1 foot high would cost and can it be laid over existing cobble stone. Cheers
  2. M

    Key Post PTSB launch new split mortage

    well asked today and was told that on the face of it I seem to ba a strong candidate as I have no other loand, just the mortgage, have making payments i.e my instrest only agreed payments and i've in this arrangement for some time already. While this is not a guarntee I will be accepted I'm to...
  3. M

    Key Post PTSB launch new split mortage

    I'm due to apply for 4th six month only period so will be contacting them tomorrow. Not on a tracker, be interesting to see what they say. Should I ask them what their guidelines are for offering a spilt mortgage? Or just express my interest in this option and seek a meeting on that basis?
  4. M

    Key Post PTSB launch new split mortage

    Are other banks likely to follow this example, say EBS, certainly would throw me a lifeline.
  5. M

    Split Mortgages and Long Term Deals

    Good point and putting aside the sociological long term implications for Boomtobust, the massive financial loss incured over time by not just him but potential family. The impact of these situations for many in Irish society today, the thirthysomethings with young families, the people we need to...
  6. M

    Split Mortgages and Long Term Deals

    Life is not so black and white, it never has been or will be. The banks took a risk lending out vast sums of money, that's called business and a fundamental of capitalism, the key here being "risk", well the risk is not paying off. There is a whiole lot of "mollycoddling" going on. The best...
  7. M

    Cousin 5 years with co and cant get ref

    He should approach HR, if it's not his work performance then they could supply reference but if it was his work they may well side with his boss, alawys two side to a story and people only tell us their side, not saying that your cousin is in the wrong, but as a manager I can say I on a small...
  8. M

    auto paint suppliers

    Planning on spraying painting my trike petrol tank and fenders anyone know where I can get the paints (not aerosol can the actual paint), looking for a supplier in Dublin/Wicklow area? Cheers
  9. M

    Can I put in a grevience about a member of an investigation team

    Hi all Basically my quetion is can I put in a grevience about a member of an investigation team who is conducting an investigation in me. They seem to be ignoring facts supplied to them in forming conclusions and making conclusion about events they have never even asked me about. When I...
  10. M

    The PIB Bill, as proposed, makes no difference to those with unsustainable mortgages

    you know this for a fact? and can support with hard evidence and real numbers? My wife lost her job as a physio. works part time now as a care worker, I've lost over 20% of my income. Had to go intrest obnly and am just about surviving, zero left at end of month. Yet my pay cuts keep the banks...
  11. M

    Can you ask to have an investigator removed from a Grevience proceeding

    Hi there Just wondering if you can have ask to have another person conduct a grevience investigation? I've had one made against me as a manager after a staff member who's had numerous complaints about them form children and staff had disciplinary action taken against them by the head of HR...
  12. M

    Banks hiring private investigators to check clients in arrears

    Excellent point and one frequently overlooked by many.
  13. M

    mature student study in uk

    My wife studied physio as a mature student in Coventry it was funded by nhs so no fees she moved from here to do it. No problems
  14. M

    Rights of a Manager to see an employees HR file

    Yes it has been addressed with the person on a number of occasions, letters of concern etc, offered training (dropped out even thought it cost 1500 euro) supervisions where we've tried to focus on positives by way of support as well as negitive aspects and suggestions on ways to improve...
  15. M

    Rights of a Manager to see an employees HR file

    A good point meeting with head of HR tomorrow so I can bring this up cheers
  16. M

    Rights of a Manager to see an employees HR file

    we seem to have poor HR practices hence moving things on to HIQA, no organisation should take a duty of care lightly
  17. M

    Rights of a Manager to see an employees HR file

    O.K employee has been issued with a formal warning (complaint by a service user upheld) has a track record of this before my time as her manager, once they went out with work related stress HR seem to back off........ that's the problem anyway was in touch with NERA and no leagal reason HR...
  18. M

    Rights of a Manager to see an employees HR file

    Hi there I have an issue with an employee, they have had disciplinary proceedings brought against them due to inappropriate working practices after a complaint was upheld by a service user, they then went out on work related stress, as they do not want to be supervised on return, they have put...
  19. M

    Sue mortgage lender for unrealistic loan approval?

    In Spain recently a Judge ruled in favour of the lendee when bank sold house fofr half loan value and sought to get balance from lendee, Judge stated reason was wreckless lending by the bank and as such should take the loss themselves.... mabye if this was the norm instead of exception the whole...
  20. M

    Can bank get an attachment of earnings orders (AEO's) for debt in this juristiction?

    True if they can look at models used in other countries to solve banking crisis why not look at mortgage bedt which is heading to a second crisis for the Irish economy, shorted sighted policies that don't take into consideration the wider picture and all possible ramifications is what got the...
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