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Thank you so much DirectDevil- that is brilliant advice/information. Will let you know how it pans out.

Recently won a case in the High Court with costs awarded to me- what can I include in this bill of costs? I defended myself but did get extensive legal advice in preparing the case etc which I must pay €2,500 plus VAT for. Can I claim such things as travel expenses/parking fees/subsistence...

Bank have appealed the Masters decision to dismiss their case and re-entered there application for judgement in to the common law High Court. My case is listed as "Motion for Sitting" next week- does this mean that I will actually get a hearing/ruling or just be given a date for hearing? The...

I agree Gerry. I have had my own battles with Irish Banks but never as complicated as all this. The property was sold as part of a divorce settlement & he assumed that any profit had just gone into the settlement and that like here the Spanish solicitor would clear any loan outstanding-...

Sorry for delay in posting but the man being pursued is resident in Ireland and has always been so as far as I know. He has reported the matter to the Spanish authorities but is still being threatened with immediate legal action by a Spanish Bank so hence the enquiry with regard to statute time...

Thank you for the help. Was introduced to Custom House Capital (CHC) by a firm of accountants. CHC then put the accountants in contact with the Bank whom had a specific scheme of arrangement to provide finance for investment solely into CHC funds & have admitted this in emails to me. It is...

I have a colleague who has a debt in Spain on a loan which was borrowed in 2006. He bought a property which he subsequently sold in 2007 and assumed that the loan had been cleared by his solicitor from the proceeds of sale. He says that he has had no contact from the Spanish Bank between that...

A bank had attempted to register summary judgement against me through The High Court- re debt relating to the Custom House Capital debacle. It went to The Masters Court initially and both the plaintiff (a leading Bank) and defendant (myself) lodged affidavits/reply affidavits before the court...

You can apply for POGO online on AIB Merchant Services website- see how that goes. I'm not sure that you can print a receipt from the card reader or not which might be a draw back or maybe not but bear it in mind. All the best.

Came across this myself & it really depends on how much you think you will use the service, do you need a counter top or mobile terminal, what type of cards you are likely %to receive & also what the average payment will be. As these variables differ for every business- what is best for one may...

Hi Brendan I did put forward a PIA application through a PIP last year (2014)but it was refused by the lender with the largest voting rights even though it offered the banks a substantially better return than bankruptcy- almost all my creditors accpeted the application but the lender with the...

Hi- just sent you an email with my details there now- look forward to having a chat. Thank you so much for responding to my query. Regards

Thanks so much for your replies guys. My home mortgage is slightly in negative equity or may even be at break even at best. Mortgage approx €325,000 inc arrears (held by PTSB) and on reduced repayment currently of €1,000 per month- the property would be valued at approx €290,000-€330,000. The...

Havebell Ltd (whoever that may be) have bought a non performing commercial mortgage from PTSB. This is a loan which no repayments have been made on since 2010 and has an accumulated an outstanding balance of circa €1m - a sale had been agreed with PTSB in 2014 for just €150,000 however there...

I was one of the unfortunates conned into investing into QIF1 with Custom House Capital in 2007. I had been offered 100s of opportunities to invest in these sort of funds previously but declined due to the properties repaying interest only finance i.e. the loan stood still so the property had to...

I pal of mine broke down last night & told me that he has been left unpaid or only partly paid for working in the last 4/5 weeks by his employer. I felt so sorry for him as he is really worried about Christmas and other bills. He is owed over €1,750 at this stage and is due to be paid another...

Anyone any knowledge on whether outstanding water rates attach to a building as part of a sale? Or is it like ESB where I can submit my reading and am billed for only my useage on taking control of the property?

I am looking at purchasing a commercial property at the moment and there are currently commercial rates & water rates outstanding. The vendor has agreed to clear the outstanding rates but is adamant that the water rates do not attach to the property & that the local authority/Irish Water will...

Just a quick update since everyone was so giving with their time/advice: Issued 14 day notice last week- tenants contacted me this morning having done a full 360 on what their stance was prior to this. Agreeing to pay all ongoing rent + arrears back between now and January 2015 (I will believe...

Thank you all so much for your advice. I registered the property today with PRTB and issued the tenants with 14 days notice to repay outstanding rent and failure to due so will result in me issuing a Notice of Termination. I might as well follow the correct guidelines as if I don't it makes me...