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    Pension Levy and Bid Offer Spread

    Why is it irrelevant that units are effectively bought and immediately sold for 5% less to pay some charge/tax/levy? In essence there should have been no need to sell units as the monthly pension contribution would have been enough to pay the levy. There is a cash amount going in to the...
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    Personal debt restructure

    If you decide to write to them I hope they read your letter .... I recently sent a simple query by email to my branch of BOI and wasnt expecting the response below! "Your message was deleted without being read on Thursday, September 29, 2011 *:**:** PM (GMT) Greenwich Mean Time : Dublin...
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    Pension Levy and Bid Offer Spread

    I can accept that a difference of up to 5% between bid offer spread on fund units is pretty standard in many cases however it is infuriating seeing units sold at the bid price to pay the pension levy whilst contributions are being used to purchase units at the higher offer price .... Rant...
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    Ground rent query

    How do revenue treat ground rents as there are over 3 million properties in Ireland with ground rents notwithstanding the fact that most of the residential ground rents are never paid ? I presume they are not taxed as they are rarely paid but it is still relatively uneconomic to buyout ground...
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    Personal loan and debt collection agency.

    I am hoping that maybe you can expand on this a little either here or by private message as I have a sibling who was diagnosed earlier this year and the outlook while unclear does not seem positive. Is there a particular clause in your policy that triggered the underwriter to clear the mortgage...
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    Personal Bank Loans - Out of Business Sole Trader

    "Needless to say the business spiralled out of control when the customers stopped paying and she took out various loans to pay the supplier and her tax, mainly VAT while waiting on her customers to pay up." If there were bad debts from customers not paying has she reclaimed the vat element on...
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    Mortgage protection -when does it kick in?

    Whilst largely irrelevent to the OPs position if the borrower goes on interest only for a period this can also result in a shortfall. Only mentioning this as a family member got a policy update statement recently and was noticed a chunky difference between the level of cover and the balance on...
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    Locked in bathroom

    Would this not be a case of volenti non fit injuria? Personally I think they should at least have either offerred to comp your stay for that night or issue you with a voucher for a complimentary return stay out of goodwill. Out of curiousity, did you ask to be transferred when you first...
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    Recommend a dishwasher brand?

    Our 4 year old bosch recently stopped working. €89 to get engineer out to be told that the motor was gone and would cost €295 to replace on top of the call out. Had originally paid about €550 for the dishwasher as I was under the impression that Bosch were amongst the more reliable. Guess we...
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    Judgement mortgage,will my sister be affected?

    Is it an option for you to go interest only on both properties and meet the repayments in full that way? It might buy you a couple of years during which time your circumstances may improve :) I do not think that she would be effected if you default on a loan that is in your own name. She is...
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    Will I lose tracker Mortgage if I let out my apartment?

    This is precisely the point I was trying to make. There is substantial information available that is now being used and reviewed on a more frequent and comprehensive level than before. Without going into too much detail I am familiar with numerous cases where this approach is being adopted by...
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    Judgement mortgage,will my sister be affected?

    In the event of default any judgement would be against both parties named on the mortgage and not just against a single party.
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    Seperation and mortgage payments

    Assuming that the mortgage is in joint names then she is also responsible for payments.
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    KPMG: Doubt over PTSBs ability to continue as a going concern

    DTJAE the interest is still charged when you take a payment holiday. This amount is added to the capital outstanding on your mortgage and spread over the remaining life of the mortgage. Do you know what rate of interest are you paying on the loan? I think the PTSB Variable Rate is in excess...
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    Will I lose tracker Mortgage if I let out my apartment?

    Given that you have indicated your current account is not with AIB then most of the points I raised are not of any relevance for you now thankfully :) With regard to the level of monitoring capabilities I think you would be surprised at the ledger insights that the bank have at their...
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    Double Inflation Bond - Eddie Hobbs

    Given the ECBs focus on keeping inflation below 2% this is a less than compelling offering. For me it would definitely take some of the sheen off anyone promoting it being portrayed as a consumers champion.
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    Will I lose tracker Mortgage if I let out my apartment?

    Presumeably you intend to pay the tax due on the rental property, in which case you would not be entitled to TRS on the mortgage and would have to notify your bank accordingly. You would also have to register with PTRB, change your insurance to cover landlords/tenants issues, change utility...
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    KBC Processing Fee

    Was considering opening a deposit account with them after seeing the rate they offer on their recent adverts but would have second thoughts now that I there may be hidden extras or funny calculations on the rate.
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    Interest charge on credit card

    Only thing I could come across after a quick search on web suggested that some US based credit card issuers use a two cycle system for calculating interest. If you pay your bill in full one month then no interest accrues on purchases however with a two cycle system you have to have two back to...
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    Getting increasingly concerned that pension raid will lead to a tax/levy on deposits

    Not sure if its being overly paranoid but since the raid on pensions I cant escape the feeling that the government will end up shaking down deposit accounts to try and keep up the illusion of being able to manage the crisis. "Finance minister Michael Noonan has refused to rule out new tax...
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