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That's great Horatio, thanks very much for your input. You've answered all my questions. Thanks again.

Sorry, thought I would need a visa but maybe I'm misunderstanding the requirements. I've done a bit of research since. See following link : https://www.boundless.com/blog/remote-work-digital-nomads/ Assuming I sort out the visa situation, what are the other things I need to sort out before...

Sorry, living permanently in Ireland whilst working for a company in the US.

Hi Just wondering if anybody knows how easy/difficult it is to work remotely to US but remain living in Ireland. I know I'll need to get a working visa but not sure if that's the only obstacle. I don't know about the tax situation. I work in a fairly niche area in IT and there seems to be a lot...

I mentioned above that UB's calculation of my refund is 5000 less than it should be. Unfortunately(!), I used the wrong rate for 2011 and 2012, so it looks like they may be right!

I mentioned above that UB's calculation of my refund is 5000 less than it should be. Unfortunately(!), I used the wrong rate for 2011 and 2012, so it looks like they may be right!

I actually haven't gone through any appeal process yet. After receiving my initial payment, I then sent away for the Eligibility Pack to apply for a new mortgage with UB (at the rate I should have been on i.e. ECB + 0.85%). I can't remember the exact documentation - I don't have it with me at...

3 months ago I received substantial compensation for the period 2010-2018 (I had moved my mortgage from UB to AIB for this period). This allowed me to pay off my loans which was costing me €500 per month. I have also been restored to a tracker mortgage in UB (ECB + 0.85%) which is saving me €200...

First the good news, and the bad news is not so bad really. 3 months ago, I received a compensation cheque from UB for the period 2010 upto 2018. We were delighted as it meant that we could pay off my credit union loan, credit card and overdraft which was great. Ulsterbank have also restored...

Brendan, I looked at your example above again, and I'm still not understanding. You say I should grab that offer but my repayments will have gone up by €10/month ! Surely, I should only take it if the repayments came down, e.g. if they offered my 25K. That would make monthly repayments = €435.

Hi Brendan, why would I ask for a cash settelment when I can return my full mortgage at a rate of ECB + 0.85 ? You obviously have a reason but I don't understand. My mortgage repayments will reduce by about 250 euro per month.

I received a cheque in November for amount overpaid while I was with UB. Left UB in 2010 and have had a mortgage with AIB since. I have requested to be put back on a tracker with UB at the rate of ECB +0.85. This week I received a letter from UB stating that they are offering to return my...

Just an update in case anyone else is in a similar position. Spoke to a very helpful guy in UB who said there's a bit of wiggle room in the 6 months and I'll be ok even if I am a bit late with the Eligibility Assessment form. However, I said that I wanted to submit the form in time, and he just...

Thanks for the replies. The following was stated as Point No 6 on the Eligibility Assessment form "Please note you have 6 months from the date of your redress and compensation letter to submit an Eligibility Assessment Form" I will phone AIB first thing in the morning, and ask them if they can...

I received my redress and compensation from UB on Nov 16th last. I had a mortgage with them from 2005 to 2010 but switched to AIB (obviously if I had been offered the tracker rate, which should have happened, I would have stayed with UB). I later received from UB for the Eligibility Assessment...

Thanks notabene, much appreciated.

Hi Brendan. In both of our methods, the hard work of calculating each repayment amount, including interest has to be done. It's just in the interpretation that we differ, and the amount of work required in both our interpretations to calculate the overpayment is minimal. Thanks for your time...

Yes Brendan. I agree that one would have to work out the repayment amounts (showing principal and interest), as you did in your example. So, then (a) using the incorrect rates, one would be able to calculate the total repayment amount made in the relevant period. (b) Similarly, using the...

Brendan, with all due respect, I don't see why I am wrong. I just did it a different way, and it gets exactly the same result. Yes, I agree that you need to calculate the repayment (and break it down into Principal and Interest each time) which is what you did. I just interpreted the results...

Brendan, I am looking at the 3rd post above, i.e. borrowing 100,000 and being charged 3% a year, instead of 1% a year for five years. Your summation is as follows. The calculations are correct but it seems an overcomplicated way of looking at it. The way I see it is as follows : From your...