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Great news; am still awaiting myself but I'm sure on the way. Just a query Brendan, did you mention earlier in year that the 12% would be made up by an 8% rebate and 4% in cheque or did I dream that?. Makes no difference anyhow sure it's like "money in the bank" or NOT in this case!! Tks again...

Hi Brendan, Many thanks for all your work and perseverance on this issue, I really doubt without your assistance we would have had suck a significant result. There were many times I even myself gave up on checking in on how campaign was going. I remember it previous threads/posts, it was...

My last correspondence from BDO was 3 or 4 months back, is there a more recent correspondence I should have received to ensure I am part of this redress group? Initially way back I did receive the €1615, tks

Hi My father has received a share redemption offer from Kerry Co-Op. Judging by the details of the scheme, I believe he is entitled to c. €12,000. He has some queries, does he have to take up the offer? His income consists of the old age pension (80 yrs old), and the income from his 50 acre...

Hi Brendan, I was away with work for three weeks and only now have used your draft to reply and am due to post it tomorrow. I'm now outside the 10 working day reply time frame. Is it still worth sending it in. I intend to phone BDO and explain the delay? Tks again Brendan for all your work on...

Tks again

Tks Red Onion; If they were to sell the RIP and put that against the new PPR mortgage and convert their original PPR into a RIP, there is about 100k left on that mortgage, Would this be tax compliant?

I'm looking for advice for my sibling. She and her husband are selling her PPR and moving to a bigger property - approximately €150k or equity left on PPR, new property €500k. Intend to sell PPR and leave them with a €350k mortgage on PPR. Her husband has a RIP, which he's had for over 15 years...

Tks Brendan for all your work on this, very helpful step by step guide. Appeals letter back in post today

Hi Bungaro, Just got our letter from AIB yesterday, would be really interested in joining the group. When I came off my fixed I actually looked for to go back on a tracker, completed application at my local AIB branch and forms were sent to head office but was then informed AIB were stopping...

Hi lledlledlled KARL MORTGAGE CALCULATOR is an excellent mortgage calculator that one can download as an app, it's really excellent and calculates both lump sum and regular over payments. I put in as an example an 156e over payment for 16 yrs on a 20 yr 270k mortgage (ie 300k house with 30 k...

Also to explain the other 50 k that I have I built up was around ten yrs ago with the SSIA which I left there ( probably for 10 yrs now) and my wife opened a KBC lump sum account of 20k 4 yrs ago now so there is not a transaction on my PTSB current account on these. Back then income much better...

Bronte The c. 1k I'm saving per month (really began as a concerted effort about 3 yrs ago) is going into 300e into a college fund and at the end of yr I put the c.700e (x12) we save as an extra top up to my home mortgage, ( in reality I may need to dip into this for 'living' costs so may not...

Hi all Meeting put back a week so based on replies I've time to consider BB yes it's a repeated thread as I'm about to go to bank just looking for some reassurance SARENCO Rent of 1400e is for both, the tenants in both have been there for over four yrs so I haven't increased it as they are...

Age: 44 Spouse’s/Partner's age: 41 Annual gross income from employment or profession: 95k Annual gross income of spouse: 75k Monthly take-home pay 8k Type of employment: e.g. Civil Servant In general are you: (a) spending more than you earn, or (b) saving? 1k per month Rough estimate of...

Hi, Based on the 90% relief, is it just a case of reduction of 90% of €800k = €80k, then this €80k would be under the 280k inheritence threshold?

Hi, A query for my cousin, he is due to inherit a family farm valued approximately 800k (land, stock, buildings etc.) from his father; mother deceased. He works in public sector married one child and lives abt 50km from farm. He doesn't hold any farming qualifications and would intend to rent...

Tks paddy w and brendan again for that, ill pay out the 5k to AIB and continue with the 2800.

Hi dermot you asked were BTLs and home in joint names, yes they are, is that significant?

I have given all my details here alright it just that I would be quite intimidated approaching PTSB on my own in relation to the overpayments and the term, apologies if i dont understand, if for example I pay off 5k and the repayment drops to 2700, would it not be better to reduce the term by...