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Tesco cards are issued by Ulster Bank and all of their staff are based in NI or the UK so maybe they thought you had a sterling CC rather then a euro one. I used mine in Croatia last June and there was no charge so they are misinformed.

I wish KBC were that understanding with me, when I moved out of my apt and rented it my interest rate changed within 1 month and I lost my TRS. I had to battle with KBC for 2 months about the interest rate as I was not making money but actually had to pay more out for the house I was now renting...

It sounds like the block insurance should cover it I had a leak in my kitchen from the apt above me and my block insurance covered it, get some advice as management companies will try their best not to pay from the block insurance, that is why there is a fund that is added to every year for...

I'm sorry but if the mortgage is 1250.00, rental is 850.00 then you and your friend only have to come up with 200.00 each for the shortfall surely he can afford that? He seems to have smaller debts the you so I think finding 200.00 would be pretty easy for your friend...sounds like he is trying...

Sorry Patrick but your partner is in denial, they need to get a grip and face up to the financial problems therefore taking the stress away from you and the both of you can sit down together to try and work something out. Your partner also needs to get a job I am very sorry if this is sounding...

I would agree with Kilnamanagh or Kingswood, I live in Kingswood and its a lovely area very safe, good schools and park right beside it also the Luas stop is 5 min walk from most of the houses, change at Belgard to go to Citywest. Houses rent out at anything from 900.00 up to 1400.00, I would...

If its on the market at 250K they are probably hoping to walk away with 225K so maybe offer 215K and see what happens.

If you restructure your loan say from a 5 year loan to a 7 year loan it will in fact be issued like a new loan lowering your payments and it will be like you are starting fresh so the arrears should be gone, so if your current loan is 312 pm then when it is reset it will be say 240 for example (...

It shouldnt be a problem once you are in permanent full time employment for a year then it should be okay, say you go on a career break in Dec 2013 and return to work June 2014 I would wait 3-6 months then apply for your mortgage with your deposit. Most banks just want to see what you can make...

I have a mortgage with KBC and soon as I informed them that I was renting out my home they put my mortgage up and said that it was now classified as an investment property therefore I didnt qualify for the lower rate it just depends on what is in the terms and conditions, I argued my case with...

The parents obviously acted as a guarantor, I wouldnt be able to do that nor ask my husbands parents to do that. I have a great credit rating I got my report today I think because I am in a new job it went against me also I was told that because my credit card limit is 3100.00 and when my...

Try KBC Mortgages either.

If its any help when I was applying for a mortgage in 2009 it took longer then normal as I had a personal loan and this was a stumbling block as far as the brokers were concerned, it took a total of 3 weeks if I remember to be accepted for a mortgage even though I had an excellent credit rating...

Hi Tomm, Don't fly back to Poland because of this, contact the credit union as most people have suggested they are really understanding when it comes to situations like this they would rather you pay €10.00 a week then pay nothing and leave the country as if you ever decided to come back to...

Hi All, I have just applied for car finance through a garage and been refused they didnt give a reason but I dont understand why as I have a great credit rating as I check it every 6 months with ICB myself to ensure I dont get a bad credit rating. I need to get a new car as mine wont last...

Hi Niceoneted, Thanks for the advice, I am single with no dependents and I dont smoke my only vice is I like a few drinks like everyone else, I have approached the credit union and was told to ring them in the morning to see will they help me out I only have shares worth 2100.00. I live in a...

Re: Need advise on how to get out of debt Hi, I need a bit of advice. I have debts totalling € 33,500.00 details are as follows : Mbna personal loan - 21,839.26 Credit union loan - 8092.00 Mbna credit card - 1000.00 Ulster Bank credit card - 3100.00 I am trying to get my finances in order...

Oh i meant to say Rush fan when I first applied for the affordable housing I was on 26k and by the time I got my mortgage it was 31 bit ,my appliction was accepted with the 26 k

Robbie, I would definately get on to the Superintendent in the local station and make an appt to go and speak to the Community Garda, the regular Garda will do nothing you need to go above their head, I had to actually tell them one night that I was going down to sort of the gangs outside my...

If your apt goes into negative equity then you dont have to pay the council back any clawback as they dont want you getting into debt.