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Can you issue a charge back if you do not receive the goods.

Has anyone been successful in negotiating a 25% reduction in the principle due on their mortgage, when moving from a tracker mortgage. My mortage is with EBS, was wondering how to go about negotiating with the bank do you put it in writing or call in to speak to the branch manager...

EBS If you appoint the chairman to vote If you appoint the chairman to vote on your behalf does that mean they vote what ever way they wish or do do they count the members voting decision. I would like to vote but I can't attend the meeting and I don't have any other proxy that I can use. I...

Re: Mortagage protection for an affordable house I have an affordable house from Cork CC and I arranged my mortgage protection through Zurich direct. Mortgage is not with the council.

I bought an affordable house off Cork CC in May 2007 paid 235K I was told that the market value was 300K which was never true. Some of the houses in the estate havn't been bought and the council have started on an advertisement campaign to try and get rid of the rest of the houses. I contacted...

Thanks Ix that explains that. So I guess you should only ever invest in a Rabodirect fund, if your positive its going to increase in value. There are lots of hidden charges. Rabodirect are not as transparent as they would lead consumers to believe. My advice then would be to use Marketocracy...

I'm very confused too. I thought that I everyone is entitled to make a capital gains of €1270 per year since the supplementary budget in April 2009. But when you work through the Rabodirect example there is no mention of the capital gain exemption. Other thing is I lost more money than I...

Re: Im selling Affordable home - Lower than the Valuation This is teh way I see it, I could be wrong but I think that the best person to ask about selling an affordable home is the people you got the mortgage from in the first place, i.e. the institutional lender, these guys would have had...

I choose to buy an affordable house for this very reason, I got a house for 200K council said its value was 300K so a 33% clawback, When you sell an affordable house before the end of claw back period you must first pay the bank, the remainder of the mortgage, and then the councils % of the...

I bought a Oisin stove too just last week, I hope to connect it to an existing fireplace. I'm not much good at DIY so I called a few professionals. The stove cost 399 in MD O Sheas in Ballincollig looks like it might cost the same again to get the thing installed. or even more.... I've no...

i bought an affordable house in Cork CC and there was no % clawback written into the contract

Thats correct, you don't pay the full ammount until your happy that your snag list is complete. I used * [email protected] A guy called conor mooney hes a chartered engineer, and he did an excellent detailed report i was able to use th ereport to confirm the builders had finished...

As far as I understand the clawback % should be in the contract you will sign for the house. This is decided on the Market value of the house the day you sign. The % is only importantant in a rising market. In a falling market its irrelavant, the best possible outcome would be a market crash...