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I recently queried the FSO if debt collection agencies fall under their remit, as I wanted to lodge a complaint with them re: Cabot Financial. In short, their answer was no as DCA's are not regulated by the financial regulator. Is this why banks and other financial institutions use DCA's...

Doesn't really offer any help with my original query. I require a copy of this document. Back OT, is it possible to file a complaint re: this issue with the Financial Services Ombudsman or Central Bank?

I'm being refused a copy of my CU's credit control policy. I was told 'it is an internal document and can't be sent out'. Is this BS and the credit union trying to fob me off?

Do all CU's work under the same credit control policy? Or does each individual CU operate under it's own policy? Is this policy available to CU members?

The house was purchased by me so the mortgage is solely my responsibility, not my partners. We are both working in Dublin (well, not me for much longer) so the cost and time of commuting is reduced as the house is in Kildare. Also, she is very close to her family and would not want to live so...

Income details Was made redundant from a full time permanent well paying job in 2009. Since then and now I have spent the majority of the time looking for work with only a few short term contract positions in the meantime. Started back working a couple of weeks ago on an ongoing contract...

I have recently received a letter from AB Wolfe, acting on behalf of EBS, in relation to mortgage in arrears. Basically the letter states I need to pay all monies owed to EBS, including arrears and interest, within 14 days or they will take the house and put it up for sale. I recently...

Thanks Bronte. You're right about meeting the CU. I've always found them very easy to deal with in the past. I will update my friend on the loan situation prior to getting to a point I cannot afford the repayments. But I will being doing whatever is necessary to make sure I keep up the...

No payment has been missed so there is no reason for the CU to make contact yet. My query is concerning what options are available to me or if someone could offer some advice how to deal with the CU about this.

Hi Brendan, I haven't mentioned it to him yet as he, like most people, are struggling with their own finances. He is not a member of my CU or any other CU AFAIK. When he signed as my guarantor, my CU only required the guarantor to be a 'homeowner' to be eligible, which he is.

I would really like some advice on a credit union loan I have outstanding. When I initially took out the loan with the CU, they required a guarantor. A friend of mine obliged and, in hindsight, I really wish they hadn't and it is my fault for asking. Having been made redundant in 2009 and only...

I understand :D What a difference a hyphen makes.

Well Joe_90's comment implies I shouldn't refer to myself as a self employed contractor, so that has me a little confused.

What should I be in the eyes of the taxman? :)

I worked as a contracted employee for a company for part of 2011 and 2012. I invoiced the company on a weekly basis calculated on number of hours worked. Prior to this working arrangement, I have always been a PAYE employee and have no experience in organising my own taxes. As such, I am...

It is my home, not a rental/investment property. To date, I am on my 4th run of interest only. Not only can I not sustain even the interest payment, but the interest rate is being increased in October, making things even more unsustainable.

I have contacted my mortgage lender for some "advice" on selling my house, which is approximately 40% in negative equity. I have been on an interest only payment for a long time now and my lender is telling me that facility may not be an option anymore. If this is the case, I will fall deeper...

At the moment I only have on street parking where I live. I have a garden that could easily accommodate parking a car but it only has pedestrian access. I would love to have a driveway and I am considering starting the work myself and then call in the experts to finish things off to keep...

Just investigating for the moment ;) Cash rich, time poor isn't the worst way to be.

30%!!! Wow that's a lot higher than I thought. With the huge number of unemployed and few jobs going I thought agencies rates would come down. The person I know who may be hiring doesn't have the the time to advertise/vet candidates and job spec is quite specific.