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  1. K

    New PTSB app

    I am with PTSB and have not been moved to the new app! Other half has it and hates it. Not sure how I've avoided it but hoping they just 'forgot' about moving me :)
  2. K

    Help with calculating mortgage balance

    Thanks Brendan, very helpful
  3. K

    Help with calculating mortgage balance

    I was hoping that someone may be able to help me with calculations so I can make plans for the future please. We currently have a 10 year fixed mortgage, due to expire in January 2029 @ 2.8%. We pay €752 each month. The current balance is €81,700 Can anyone help me understand what the total...
  4. K

    VHI VHI and GDPR

    RetirementPlan, to be clear no 'outcome is better for' me. I am not VHI or Laya or Irish Life, I am explaining the Data Protection Office rule. If you are able to log in to their accounts, they have made the decision to allow you to do so by providing passwords. If you stole their log in...
  5. K

    VHI VHI and GDPR

    I am unaware if Laya have a pre-claims process however if not, they are in clear breach of GDPR rules allowing you your adult children's medical information 'The special category personal data is about sensitive information. It relates to the patient’s physical, mental or sexual health...
  6. K

    VHI VHI and GDPR

    Your adults over 18 can give you their log in details if they so wish and you can work away to your hearts content with their personal information but unless your 18 plus year old tells the insurer, how are they to know that they are happy with their health information being given out to others...
  7. K

    VHI VHI and GDPR

    Retirement Plan there is no medical required to take out a plan. Your 18 plus year old owns their own health data so it is not the business of any health insurer to tell you anything about their health without their say so. If they are in agreement, they can contact the insurer to provide...
  8. K

    VHI VHI and GDPR

    You can submit receipt claims for all adults by post, as long as each adult signs the claim form. You just can't submit online (there is no option for the adults to provide their consent online). Although it might help organise your paperwork, unfortunately this does not superceed the GDPR...
  9. K

    Key Post Laya gives €100 if you take out a new policy, instead of renewing automatically!

    I am not defending the case but the Ombudsman requires a 'Final Response' letter before they will proceed with investigating a complaint on your behalf. If the letter does not suggest it is a final response and you want to take it further, you will have to go back and request the same letter...
  10. K

    If boosted, is the recovery cert necessary

    Hi, I have had 3 positive antigens and all the symptoms to go with Covid so I am following all the guidelines. I haven't booked a PCR as I don't see the purpose of this except to get a recovery cert but if I have received all vaccinations and am boosted do I really need this? Just looking for...
  11. K

    Health Insurance Health insurance jargon clarified

    As suggested above, you will not reduce your Pre-existing waiting period by upgrading your cover. If a condition existed prior to the start date of your policy, or if signs and symptoms existed prior to the start date of your policy, you will not have cover for that condition for 5 years. If...
  12. K

    What are the signs that a public company might be going private?

    I will ask Clubman but won't get to until late next week and I'm far to curious to wait until then. Mugsgame, there are quite a number of employees who would be affected by it but not a whisper of this has been made to any of us. Could there be any other reason it would appear on Revenue...
  13. K

    What are the signs that a public company might be going private?

    Rehashing this discussion to ask a further question. Have just logged onto my revenue account to submit the 2021 year and I notice the name of my employer now has an additional company name after it? Does anyone know where Revenue pull this information from and where would I find the effective...
  14. K

    Finance on history car check incorrect

    Pinoy adventure, cartell definitely include a UK check on their carchecks
  15. K

    Health Insurance Health insurance jargon clarified

    1) Different health insurance companies manage this differently - 80%/20% split can end up being a varying amount to the parient depending on the surgery they are having, whereas a €2000 co-payment is a set charge with the patient knowing at the outset that their bill will be €2000. In both...
  16. K

    Finance on history car check incorrect

    An update just incase anyone comes up against this issue again, I contacted the Northern Irish dealer we bought the car from. He contacted the Finance company on our behalf and they confirmed it was an input error on their side. Thankfully, whoever has the finance on whatever vehicle it belongs...
  17. K

    Finance on history car check incorrect

    Thank you for replies. Yes the car dealer turned his screen to show us the details but I stupidly did not take note of the name. I recall it being a UK company though! I'm not sure they will be that generous to let us have the details now that we may not be doing business there. Only because the...
  18. K

    Finance on history car check incorrect

    Hi We recently went to look at purchasing a new car in a car garage and asked about a trade in value. The sales guy was able to pull up all the details about our current car and said there was finance on it. We don't have finance on it, so was a little surprised and also when we bought it, we...
  19. K

    Health Insurance What is a semi private room in a private hospital?

    A semi private room has between 2 and 5 beds. Blackrock are the only high tech with private accommodation only.
  20. K

    Password reset

    Thanks Brendan. My screen is laid out a bit different to your image but I've clicked on my name (which is to the left of the page) and hit the Password Reset option but nothing happens? No email received either. While I was searching for info on a password reset I came across a thread about...
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