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“If you are over 66 years (or between 60 & 66 years if your account was opened on or before 13th January 2018) you are eligible for fee and charge exemption regardless of the balance maintained in your account." This is very clear in plain English. What PTSB appears to be now saying is “If you...

This is interesting as we too spotted this clause in the PTSB waiver guidance documentation as above “If you are over 66 years (or between 60 & 66 years if your account was opened on or before 13th January 2018) you are eligible for fee and charge exemption regardless of the balance maintained...

This is something that most self employed/ small businesses reach at some stage. If you run your business accounts on an annual basis i.e. Jan-Dec, then apply to register for VAT on the same basis. You make one annual return early in the year for the previous year. This minimises the paperwork...

As far as I can see you just fill it in putting your trading name as your employer and then selecting 'Self Employed' in status below.

It would be helpful if the stated criteria for self employed/ sole traders was to be changed from 'cease trading' to 'reduced trading' in line with assistance scheme to larger businesses.... but we may live in hope. My experience over 30 years as a self employed/ sole trader is to expect to get...

I think many of us are in this situation but it's very hard to get a clear answer at the moment. In fairness 'self employed' covers many different situations, so perhaps that's understandable. Our sales have fallen significantly but I'd be very loathe to stop fulfilling the odd online order and...

I think no2 would be the reality for most sole traders but is this what the Dept means?? When I think of 'cease trading', the term implies shutting up shop completely, what you do if you're closing down your business. And that's quite a lot to do and undo in a month or two to get going again...

Has anyone figured out the exact meaning of the criteria for self employed/ sole traders in https://www.gov.ie/en/service/be74d3-covid-19-pandemic-unemployment-payment/ Specifically last criteria: if you are self-employed and have ceased trading due to the pandemic. What does 'cease trading'...

Same question here? Are Irish banks/ financial institutions totally backward in regard to above? I thought we were supposed to have a modern financial system and be pitching for London financial business post Brexit. Surely if that is feasible, our institutions can create and maintain a simple...

Speaking as an ordinary punter, this is a surprise, though I see it was mooted here a year ago. Always found Rabo straightforward to deal with, easy to manage accounts etc. Does nobody want Irish depositor's savings?? Seems that those of us who are prudent and save for a rainy day in this...

Are we not supposed to be in what they term a 'progressive' tax system where people on lower incomes are supposed to pay less tax and those on higher, the maximum? In which case, there certainly should be equity between self employed and employed on lower incomes. I get fed up hearing...

And if he picks it up for €0 and says to himself, I can make €50 on this printer, the consumer pays €61.50? Not really an incentive for the public to buy from VAT registered businesses perhaps? Apart from some level of limited guarantee that the retailer might give on the used item. Hmm. VAT /...

I think you maybe missing something here - if your takings are for arguments sake, 37k on one business and 5k on another when you are not registered for VAT, then these takings will increase to 45.5k and 6+k when you are registered for VAT, based on a 23% VAT rate. You charge your rate and add...

Hmm. Not sure if I am over thinking.. Suppose the hypothetical printer in my example retailed originally at €123 i.e. €100 + €23 VAT and the first purchaser paid this. This retailer or another retailer then acquires this as a used printer and resells it. Suppose I'm a consumer and not VAT...

I've searched and this has been asked before in at least one thread but no answers that I can see: Should VAT be charged/paid in relation to second hand goods? I think there is some sort of margin scheme dealing with higher value items or perhaps goods that rise in value? But how about if I...

Thanks Brendan, that was puzzling me a bit as well. Not exactly transparent!!

Precisely, I heard a woman last year on the radio who had run up financial problems and opined, 'sure, we didn't think beyond the end of our noses' or words to that effect.. Hey, it's a 'free' world - do stupid things, don't think beyond the end of your nose .... but do expect to live by the...

Thanks chew, my search didn't seem to throw that one up. By the way and on a different tack, anyone know of any hidden pitfalls in having savings in a sterling account in an Irish bank (Republic as opposed to NI or UK)? Obviously, exchange rate issues and question over sustainability of bank...

Spotted some coverage of Credit Agricole / Britline on this current thread: http://www.askaboutmoney.com/showthread.php?t=147521&page=2

Just wondering if anyone has opened a Euro account with Credit Agricole in France? Seem to deal with Irish residents etc. despite calling it Britline! http://www.britline.com/currentaccount/applying/ Never did get a satisfactory answer from the 'straight talking - no nonsense' RaboDirect as to...