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Hi. I am currently in hospital for treatment of severe bipolar disorder causing primarily recurrent depressive episodes. It has got to the stage where it is looking like I may have to stop working full time and go part time. Luckily this is an option in my current role so I am not having to...

I would really appreciate any advice here please. I am 35, single, on interest only with my mortgage lender as I wasnt making ends meet after a large pay cut in January and I still am not coping. Over the last two months I have missed countless direct debits which I have mostly caught up with by...

I got an apology from Haven by email yesterday afternoon. I had mailed them demanding a full explanation earlier in the day. They didn't explain the error, just that TRS was halved for November, but said all affected customers are being written to with a detailed explanation. Said the additional...

thanks for that, it makes it a bit clearer. I still think it is outrageous though!

Sorry, I should have said that they said they have now halved people's tax relief across the board? Does this make sense?

I am on a fixed rate with Haven (EBS broker side of things) and they took 94 extra on my payment today with no warning. When I rang they told me they have made an error with people's tax relief (she said they had already had hundreds of calls about this today) and have to recoup it before the...

It has been made very clear that if I die and the death is in any way related to my depression (i.e. presumably suicide) the policy won't be paid out on. Also, I am 100% certain the companies do charge extra once they know you have any mental health issue. I worked in the area for many years and...

I recently bought for the first time and had the same issue. I am bi-polar and have been hospitalised because of the depression in the past. As with you they asked my doctor for a report. In the end they doubled their original quote to me and put in a clause that there is no cover if anything...

I am sure this won't be what you want to hear but I explored shared housing with south dublin last year. After a lot of struggling and being completely confused by conflicting information I was finally put through to woman who told me than while technically shared ownership was available in...

Thanks for all your ideas. Gnubbit really summed up where I am coming from. I feel strongly that while I have been able to get it all sorted out in a way I am happy with others may not be so lucky. I realise my individual case will not be taken up but feel the only way to combat people like this...

I know how buying and selling works. I am not trying to get out of the sale, our solicitors have dealt with the issue of the appliances. My point is that I went sale agreed with a price which was based on the appliances being included when the agent told me he had discussed this with the sellers...

just to let you know you're not alone but it is possible to buy! I am single too and earn a bit less than you do. I spent years knowing I couldn't buy but have now found a place for under 230. It is in Tallaght so really handy for the Luas / town / M50 and the flat itself is gorgeous. I went to...

I am in the process of buying my first home and am learning the hard way how I naive I am! I agreed the sale price with the estate agent on the basis of appliances being included. To cut a very long story short when i received the contract there was no mention of the appliances. My solicitor put...

If anyone living in the Kiltipper area has had any particular experiences - good or bad - with the management company for the estates there (esp. Deerpark) could you please let me know? I'm on the verge of buying but have a few concerns. Any other aspects of life there which may be helpful to...

I went to sign my contract for a place that is due to close on 28th March today but my solicitor is concerned about the estate's management company accounts. The last available are for 2006, which is fair enough since it is only March now, but at end of 2006 they have a net closing deficit of...

Thanks a million for that - it is just what I wanted to hear!

I am hoping to buy in Deerpark in Kiltipper and am wondering if anyone has any info about the estate? I know the traffic probably isn't great in the mornings (where is it!!) but just wonder about any other issues? I have been up there several times at different times of day and night to check it...

Re: Help! Will hava access to deposit in a few weeks - can I make a bid on property n Thanks. I just don't have the few grand at all until I get the money in a few weeks so I am stuck in limbo. The area I am looking in is around Kiltipper.

I am a first time buyer and looking for some advice please. I am getting help with the deposit for a place but won't have access to it for 2 - 3 weeks. The thing is I have found the exact property I am looking for. It is in the development I have had my eye on for ages and I really don't want to...

Hi! I don't live there but one of my parents grew up in the area and I now work here. I think Upper Cross and New Ireland are very nice. They are quiet and very settled. As with anywhere there are some anti-social problems in the area but as far as I know they don't tend to extend as far as...