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I read ccr reports on a daily basis and trust me it shows up every little hidden debt you ever had. It leaves very little stones unturned. The ICB wouldn't show up half these debts. We as a financial institution had to declare all our bad debt and written off accounts since the mid 90's. I am...

Double check with the Irish league of credit unions. When someone appoints a nominee on their account and then they get married this makes the nomination null and void. Divorce could also be the case too. I am not 100% but worth a follow up to the league.

Regarding home improvement loans to renters - some members are long term renters and they would still want to do home improvements despite of this. Now we are regulated and audited and proof of income is always requested. However back in the day maybe 6-7 years proof of income wasn't always...

I am in the process of preparing the loans and data information that will be uploaded to the CCR within our credit union. All loans that have been written off since roughly 1992 will be uploaded except for outstanding balances below 500.

Mousehelp - I can afford the mortgage but not on paper as such with the 3.5 rule. I will have student income also. If the banks don't agree though I was going to not say anything and keep paying mortgage just hopefully get a side agreement on the side with my husband. There is 60,000 equity on...

My lender is Danske bank so not high street bank - I have a feeling they will be more difficult to deal with. My husband was open at first to the idea now I feel he will fight me on it. He lives with his girlfriend in her own home - I'm hoping he doesn't was to buy in future because of this...

The credit unions do have a facility within their IT system that when a member enters into an agreement such as your own then M for moratorium will show up in ICB for the months your agreement in place. I would contact you credit union and challenge them because technically they should have put...

We are going through a seperation and probably a divorce within next 2 years. I am in family home with kids. I am in a position to buy him out and finance the mortgage myself. We have a very nice tracker mortgage which I am afraid of losing. Do I have the option of getting a solicitor draw up...

I take in students usually from Trinity college. They are foreign so stay with me all week from September til may. Rent out the boxroom and they look after themselves. Hassle free and tax free and me and my kids get to meet some cool and lovely people.

Thanks for all the replies. Since my post two of the bigger garages were willing to trade in for €1000 off the retail price. The cars I'm looking at are Hyundai i40 and Mazda 3. I did look at the Hyundai Scrappage deal but still a little bit for than i budgeted for even with the deal.

Upgrading to a 2014 car and have been told twice so far 03 car not taken as trade in. It's a skoda octavia 100,000 miles on it. Wasn't expecting much but was still hoping to trade. Was told it was an insurance thing as most insurance companies don't quote cars older then 10 years. Now these were...

Thanks Collycolly for the reply - so if my gran has not changed her will then my Mam as sole beneficiary of my Dads estate should inherit what was willed to him? Have I got that right? I know it will depend on the will etc but that't the bones of it? This would be good as my Dad since a very...

Thanks for the information Conan. I found it very hard to get an answer anywhere online for this. Thanks again.

Thanks for reply. Yes my Dad made a will and my Mam was sole beneficiary. And no I can't answer the last question. Is that standard to put into a will? At a guess I wouldn't say she expected to outlive her children.

My Dad died last year unexpected and young. He looked after my Gran financially and otherwise throughout her life. She is now very sick and I would say she will not live for much longer. She showed all her family her will ages ago stating her estate be divided among her children with extra being...

As far as I know once the company as a contract with the debt collecting company regarding data protection etc then they are covered by law when giving out any information about clients.

I did a search and found that site immediately. Read that they have continued to debit some peoples credit card for calls they didnt make so called my credit card company to stop the card in case. Otherwise is just seems to be a site full of complaints. How can i prevent this happening to other...

I was in A and E in one of our main hospitals on Sunday. I had no battery left on my mobile and of course had no change so had to use the payphone to make 3 mobile calls, on my credit card. Each call took less than a minute and as i found out today was charged €19 per phone call. I rang my...

Thanks very much for the replies. So if i build this room for a playroom we dont need p.p but if we build this room for a bedroom we do. Had a feeling we would need it. I use the word log cabin but in fairness it is a log room and it would be fairly small. There is smaller again but could...

We are planning to get a 4m x 3m log cabin out our back to use as a bedroom. From what ive researched already we should be ok size wise to go ahead without planning permission. Will we need planning permission if we intend to use it as a bedroom only.