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Thanks for all your replies. After talking to MABS I've decided to go ahead with restructuring as I think the peace of mind it'll bring me will be worth whatever extra bit of interest I have to pay.

Yes there is no early repayment penalty

Hi there, I have a number of personal loans with a particular company with varying terms and interest rates, and I have been approved for a consolidation loan to merge them into one 5 year loan. This would almost halve the monthly repayments but obviously increase the total cost of credit. I'm...

Title says it all really. I discovered that a couple of loans I have with Avantcard are actually recorded as credit cards. I only discovered this when I went to apply for a CC with AIB and they told me that I already appear to have some. I rang Avantcard asking why this was the case and stated...

Applied for an Avantcard loan and got a quick automated email reply saying "Great news! you're approved in principle." I supplied all relevant docs and then get an email saying it's not been approved. I rang them up to ask why and they said they can't tell me specifically why (!) but "just check...

Hi all I am in the process of applying for a loan from Chill Money. Their website states that "It couldn't be easier" and they offer "Personal Loans Made Simple" but the process so far has been anything but easy or simple. An issue has arisen with the application because the name of the...

Hi there I put in an order with DFS.ie on the 4th of June 2016 for a divan bed base, headboard and mattress. I received a phone call from DFS Blanchardstown seven weeks after I placed the order, asking if I could receive the bed in two separate deliveries, as the mattress had not yet arrived to...

Hi there I got a letter from AIB today informing that there is an excess balance of 50 euros on a loan i recently topped up as of the middle of last month - I'm not actually sure how this happened, as they aren't due to take the "first" repayment on the new loan until the start of next month...

Hi there I'm in the process of switching current accounts over to PTSB from AIB. I had the option of applying for an overdraft which I did, for €1500 as it would be handy from time to time. My account details arrived in the post today, and I've successfully set up my online banking, but I...

Indeed ! The car is worth more than 2K though and the small claims court is no use if the respondent says they have no money to pay any judgements awarded against them. Im told the chances of me getting anything back are small but I at least want to make it as painful for them as legally...

Can't agree with you any more. From the very outset, their response has been to deflect, delay and frustrate any progress in the matter. I don't think I can get a hold of the details of the previous owner due to data protection laws. My solicitor has sent them a letter anyway requesting a...

It is the same thread - I had to edit it and re-post it :) I know I have consumer rights but they seem to be oddly toothless when it comes to this type of thing. They can't offer me a refund because they don't have any money, they can't offer me a replacement as they don't have an equivalent...

Hey all, thanks for the replies. The dealer rang me today so let me know he'd consulted his solicitor and he's now basically saying he doesn't have the money to refund me due to a cashflow problem, and the "replacement" car they offered had to get work done on it, so I'd be giving them...

I got a 3 month gearbox and engine warranty, but what good is that when my mechanic tells me that the timing chain needs to be done, and the dealer says he won't do it because his mechanic disagrees? I don't have any reason to believe they would carry out a repair on the leak competently...

Hi everyone Learner driver and first time poster here so go easy on me :) Apologies for the length of this post, but I think the backstory is relevant to my question below. I bought my first car a month ago from a dealership for what I thought was a good price. I thought I had done the due...

There are factors other than the location of the work to be taken into consideration in determining who is an employee or a contractor, The continuous (2.5 years+) nature of the work The fact I was expected to carry out the work myself i.e. I couldn't subcontract the work Being paid by the...

It's AdWords, actually. Not AdSense. Two completely different products. You can't defraud someone by bringing paying customers to their website.

He contacted Google when he discovered it, I presume he put that to them and was unsuccessful

Hi all Thanks for your responses. I've contacted a solicitor. The advice I've been given is that the solicitor concerned would have to issue debt proceedings against me, but it would not be clear cut in any way, and that it would be a very messy one for him to win. The fact that I worked...

Hi folks Thanks for your advice. The casual employee argument is a good idea. This is all hypothetical of course at the moment, but I just don't know what he might do next - he might do nothing, he might not I don't know. I'm waiting to hear back from a couple of an advisor at the moment...