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Thank you Brendan. That explains it. Its a scandalous country we live in. I suppose I can be thankful it recovered and I'm taking a small profit. After ten years though its just scandalous. Tks J.

Hi I just cashed in a Fund with Irish Life I've had since the SSIA. The value of the fund on the last day versus the amount I received into my account differs by a few grand. There were no exit fees. Is this tax taken at source?? I can't contact them until Monday but I'd appreciate if anyone...

Watch Panorama Now. I know it's the UK but I just posted this issue last night on "tax office mistake". We're owed a fortune and it's no mistake.

Just a heads up for anyone after filling in a Form 11/12 for last year. I'm PAYE only and 2009 for me was 53 fortnightly pay checks indicated at the top of your P60. This only happens every few years. I filled in my form and got a tax bill for €300. I queried it and then the tax office...

I'm not surprised at all. I posted a thread about this last year. EBS have been doing individual deals with customers on interest rates for years. I have a tracker +0.9% on my PPR which I'm delighted to have but I have friends on anything from +0.7% to +1.5% on similar mortgages taken out around...

Thanks guys. I have done my taxes for 2008 already. I missed the Preliminary taxes for 2009 as I did'nt understand it. Next year when I do my taxes for 2009 I will be making a profit when you factor in the 75% interest offset. J.

Hi, I opened a dispute with the PRTB in March 2008 after my tenants trashed my property and then left unknown to me. Outstanding rent and damage to my property comes to about €2,000. 18 months later I have received a letter from the PRTB saying that they are unable to locate an address for...

Hi I am a PAYE worker and I have one rental property. Each March once I get my P60 from the previous year I do my taxes myself which includes my rental property which is making a loss. I thought my taxes were up to date for 2008 however last month I got a letter from the tax office saying I had...

Hi I have a 200k variable RIP loan with EBS. My current rate is 4.53% down 1% from 5.53% last year. Just wondering what kind of rate reductions other customers have got from EBS/other banks for RIP loans? Rgrds J.

Thanks Anon473. I had heard that there are a few problems with crime recently in just one area ....but thats the same for nearly every town now. J.

Hi, just wondering if anyone has any comments on living/house prices in Castlebridge Co.Wexford? Might be moving to the sunny south east. Seems like a nice location, close to Wexford town, Curracloe beach and not too far from the motorway to Dublin. Regards J.

Hi Blueyes, I'm with EBS as well and paying extra each month on PPR. Same happened to me, interest rates went down repayment went up. Phoned EBS they explained my annual interest on the loan decreases with a drop in interest rates and so less TRS.

Hi Privinv, I got a similar reply from EBS last week that they are not passing on the last two rate cuts. I am expecting a cut after this 0.75% cut and if not I am moving on. EBS has 500 million exposed in the commercial business side of things and so keeping the RIP loans rates...

Hi i am looking at changing my RIP loan at the moment as well. I have an interest only loan of 170k with EBS at rate of 5.53% LTV 30%. My home loan is on a tracker +0.9%. I recently contacted them to see if they would pass on any reduction to RIP loan....? Lots of reasons not to was what i got...

Has anyone had a successful outcome to PRTB dispute and received outstanding rent? J.

Hi, posted dispute march this year. Got reply start of April that PRTB had received it,and it would take minimum 20 weeks. Nothing heard since. Getting concerned now as tenants could be anywhere. Owed 2 months rent and house destroyed before they took off. J.

I have split these posts from a thread on Vineyards Hi Mcaul, I'm trying to look at the thread link you posted on greenwood investments but it won't allow me. A friend asked me what I thought of the investment just yesterday as he has a deposit down to buy land to harvest trees in...

Hi, I've just managed to get my tenants out of my rented house after 3 months of them not paying rent. Social Welfare were paying their rent and I contacted them directly saying that they were three months behind and to pay the money directly to me, but they would not do it unless the tenants...

Re: moved my morgage from ebs to halifax Just wondering has anyone managed to get a better rate than 4.9% for a PPR and 5.25% for an investment property from EBS? Tks J.

Re: moved my morgage from ebs to halifax I was in a similar situation a few months ago with NIB but I went back to EBS with the new offer from NIB and they matched it as best they could (but not quite as good-4.6%). They cut my PPR rate from 5.25% to 4.9% and my investment rate from 5.75% to...