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Thanks everyone for your replies. I managed to borrow the cash from a family member and will pay him back over the next 3 weeks, so all is ok. Thanks for the post about the SVP - it is good to know that there is back up support there for people in dire circumstances. Maread

Thanks for the tip, TheShark

Thanks, Miss Thrifty. Is it possible the welfare people paid the bill for you already without telling you?

Thanks for your fast response, RichInSpirit! I'm well aware of the bank charges for missed direct debits - €12.50! I didn't know about the special budget card or that I could pay in installments. I will suggest it to them. Thanks

Hi, I am currently on Jobseekers Benefit and due to extra expenses last month I am unable to pay my ESB bill. The payment was due by direct debit on 16th Dec, which I missed. I telephoned them and told them that I hope to be able to pay it during January, and I found their attitude very...

Thanks Clubman

Hi, A quick question: Can you offset unused personal tax credits against a capital gains tax liability? Thanks Maread

Hi, As previous posters have suggested, these neighbours are only doing this because they know it upsets your friends. However, I would suggest the following course of action: 1) Find out if the house is rented or owned. If rented, complain to their landlord 2) Go back to the Gardai and...

You are entitled to a copy of the will as you are a beneficiary. CSirl is right - either they buy you out or it is sold. My advice - make an appointment to see a solicitor. For a consultation fee s/he will lay out your options and you can then decide what to do. Most solicitors charge about...

Hi Siteissuses, I presume you do you not have a mortage otherwise the financial institution would require you to have the site in your name. Is this what you mean by self financed? I;m no expert but certainly it could be very messy in years to come.

Only if you're worth suing. Tell them your circumstances have changed and regret that you must leave, giving one month's notice. Be polite. Many landlords are stuck with tenants who can't or won't pay the rent and facing a long drawn out process to get rid of them. You're not doing any thing...

Hi, I'm no expert, but suggest your mum goes to her solicitors who dealt with the probate etc and ask them to write to the bank manager explaining the situation. Presumably they would have dealt with the bank, changing the account to your mother's name.

Hi I sent away for the Daily Mail Michael Jackson DVD offer (price €3) about a month ago and it still hasn't arrived. I haven't checked my bank statement yet. I'd advise you to contact the Daily Mail offices in Dublin (presume they have offices here) and see how you get on. Given the amount...

Check out Clearwire, if she's located in Dublin. It costs me €29.99 per month, no landline required.

Hi. Fair enough. Like I said, I'm in a similar situation to yourself - I've suddenly found myself in a situation where I might be able to get a mortgage and buy my own home due to the falls in house prices. I just mentioned the fact that prices are likely to fall further because you said in...

Hi, you say you would like to trade up in a few years. I think you should bear in mind that if the property market is anything like it is now you may be unable to sell when you wish to, at the price you bought the property for. I'm in a similiar situation as yourself and would advise you to...

Hi, I work a 3 day week, Tues, Wed and Thurs. On weeks where there is a bank holiday Monday I get paid 3/5 of a day's pay extra. I think this is the legal requirement. I'm not sure what happens if a bank holiday falls on a working day

Seller wants a quick sale, I feel there is a good value to be had here Him and thousands of others. There may be even better value in 6 months time. If you reckon you're getting it for a good price though and can pay both mortgages without tenants if necessary then go for it.

In terms of the utilities and blacklisting, didn't the ESB change their accounting system some years ago, so an account number now "belongs" to the person rather than the property? It means that the account (and the debt) should follow the tenant rather than blacklist the house itself (and any...

Thanks for your reply Mucker Man. I'm based in Dublin, South Side