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  1. M

    Hubby working in UK best way of communicating has no wifi

    Have you looked into "three like home"? Three Like Home Add On. Make sure you get the best value when roaming. For all customers on one of our Flex and Flex Max price plans who have joined or upgraded with Three after 30th April 2013 or after 4th April 2014 for Unlimited Flex Max customers, our...
  2. M

    Overpaying mortgage online BOI??

    I regularly make online payments to my mortgage for varying amounts. As you note, the balance reduces with each transfer to the mortgage account - BOI specifically introduced this functionality a couple of years and encourage customers to use the facility. My understanding is that the...
  3. M

    London Visit

    London City Airport is very convenient for the City, Canary Wharf, Tower of London, Tower Bridge, the O2, the Olympic Park and anything else on the Eastern side of London. Flights tend to be more expensive c €120 return but the airport connects to the DLR which takes 15-20 minutes to Tower...
  4. M

    Advice on how much of a mortgage to get

    I don't think the income multiples are a huge problem or the monthly payments, I'm surprised at the low level of deposit, I think that may be the difference between you and other high income couples buying half a million euro houses. About half of my friends in the same age and income...
  5. M

    Need help in relation to getting married either in Ireland or Spain/Abroad

    you need to give the state three months notice of your intent to marry. you will need to provide the celebrants details and the date of the ceremony and names and dates of birth of two witnesses (though the witnesses and celebrant can be changed on the day if needed - not sure how changing all...
  6. M

    Interest rate changes: calculate on original amount?

    I think it looks odd because the balance should be lower if you've been making repayments for 9 years. Your balance should be closer to 188k rather than 203k. Did you miss any repayments along the way? Are you sure the remaining term is 16 years?
  7. M

    PMPV: Peoples mortgage protection vehicle

    "I don't have your money... It's in Fred's house... and Tom's house" I think some of these myths were uncovered in 1946
  8. M

    Help Needed to Establish What Info Bank of Ireland Gave re Tracker Mortgages in 05

    I don't think the banks really thought about the potential cost of trackers to them until after a couple of years had passed and the gap between cost of funds and cheap trackers became clear - that was the point when the sharp practices kicked in, so probably at the time of the second fix for...
  9. M

    Irish Resident Employed by UK co so need to get a NI Number

    Will you be staying in the UK during the week?
  10. M

    Overdraft application declined - seeking reconsideration - advice required

    + 1, there was a lot of sense in Bronte's comments
  11. M

    Over draft cleared - fees

    No, it's a flat fee and standard interest rate applies
  12. M

    Do i close credit union account if going bankrupt

    Are you closing the account to hide money from the receiver?
  13. M

    Not offered tracker when it was available

    I dont think you do need to read between the lines. The letter is about intermediaries not about bank employees
  14. M

    In the event of another bank bailout would deposits be hit?

    Where there could be a knock on impact would be if the deposit guarantee scheme was called on and the fund then needed to be replenished by levying a higher charge on the remaining institutions
  15. M

    Implications of the Central Bank's fitness and probity for employees in arrears

    Isn't financial conduct typically captured in Bank's Code of Conduct that staff are asked to re-affirm they adhere to each year? I guess a false declaration would be considered gross misconduct?
  16. M

    Good salary but struggling with 2 unsustainable mortgages in negative equity

    I think a big part of the problem is the lack of income from your husband. Is it time to take a hard look at his business abd consider if he can afford to take no income while the family struggles? You are paying 357 childcare per month, this could be a straight saving if your husband looked...
  17. M

    Ivan Yates on the Pat Kenny Show on News Talk

    The list of monthly expenses totals exactly his monthly income of stg3,130... presumably there was some questioning and review of this. He has also declared he has no income from his new occupation as author. There's no information in the papers on how the courts might have viewed future earning...
  18. M

    Ivan Yates on the Pat Kenny Show on News Talk

    The assets listed total stg511k against liabilities of stg2.5m, thus a shortfall of stg2m. Some of the assets are subject to rights by other parties eg Ivan's mother. I think these are the application papers and so don't detail the settlement
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