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    Step by step guide for holders of CRH share certificates

    Hi All, Over the last 3-4 weeks I have completed this process for my mother and her sister. They both had inherited a small number of shares from their sister who left them in her estate about 4 years ago. They are both registered on Computershare US and their dividends payments have been...
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    Has anyone received refund from Bank of Scotland regarding overcharging on tracker mortgage

    I'm in the S (forename and surname) category and got mine back in Dec /Jan. Pepper have no involvement in the processing. It's all BOS. Playing the waiting game is the hardest part..
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    What is the right strategy for clearing an interest only mortgage by the maturity date?

    Current amount outstanding €420,000 (the 16k redress has not yet been lodged) For this 1st 6 years of this mortgage we were in significant financial difficulty. I worked in the real estate industry for 10 years up until 2008. I had invested most of my earnings in to property and had amassed...
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    BOSI Tracker Issue

    Hi, just to update. I've a post in the other thread relating to the BOSI redress. We got our cheques and redress last week. https://askaboutmoney.com/threads/bank-of-scotland-redress-case-study.221764/
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    Bank of Scotland Redress Case Study

    Got cheques in from BOS on 31st. Numbers and background as follows. 2006 - C. €460k mortgage @ 1.25% tracker IO for full term - 30 years. After Yr 1 in 2007 went on fixed 3 Yr rate. When we came off it we were put on 1.5% Variable but this tracked the ECB rate. I investigated this about 3- 4...
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    Help needed - CGT Section of Form 11

    Hi Guys I'm filling out the CGT section on Form 11. I've read and re-read the Help section and am still none the wiser. I purchased property in 2006 for 186,200 Sold in 2018 for 186,500 (what an investment!!) Purchase costs were 3,500 Sale costs were 4,200 Where in the CGT section on form 11...
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    CGT on Sale of Foreign Property

    I am attempting to make a tax return /CGT for the disposal of a foreign property in Aug 2018. Previously I used an accountant to do the rental income but the charges for CGT are beyond my means. There is no tax to pay as I've made a capital loss. Not by much thankfully. I owned the property...
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    PAYE/Tax - Is it worth Spouse working extra half day?

    Thanks Red for the advice. How do I check if I'm maxing the 20% tax band? Just had online accountant do my 2017 return. What should I look for on form 11 or on ROS? Squeezed middle here I'm afraid. 2k on mtges, 1k on childcare, not much left after bills, car running costs and day to day...
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    PAYE/Tax - Is it worth Spouse working extra half day?

    Hi, my wife currently works 2.5 days per week. She is a nurse and was full time until last year when we decided it was better for our 3 young kids for her to be around more. However we are feeling the pinch of the loss of her wage. She is thinking about going back to 3 days per week so an...
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    BOSI Tracker Issue

    Just wondering if anyone got in contact with BOSI / Pepper regarding this and if they had any success.
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    December Tracker Update - Central Bank et al

    I went to sell an investment property that is on a restructured ,mortgage with KBC two weeks ago. I was told i could not sell the property as it and another mortgage i have with KBC was under review. I asked for this in writing and was told that they would pass my request onto the tracker...
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    Income declaration methods

    Hi Posting on behalf of my sister as she is not tech savvy. She is a director of a small building company that her husband owns and runs. She has recently secured some independent referral work doing interior design and she has started to build a good client base. Initially she did it as a...
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    KBC Has anyone got tracker back from KBC

    i took the mortgage out in 2006. IIB / KBC provided the mortgage in £stg. I was required to set up a UK stg account in which rent and mortgage transactions occurred. There was a large group (20) of us from ROI who invested in the same development at the same time.
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    KBC Has anyone got tracker back from KBC

    Hi Wasn't sure whether to start a new thread or post here. I have 2 investment mortgages with KBC. Both were restructured back in 2010. One is back just back to full interest and capital payments which is manageable and the other is still restructured. The restructured one is a hopeless...
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    Tenants to pay Mgmt Fee

    Hi Guys I have an apartment with a couple living in it the last 10 years. They signed a lease when they first moved and this has not been updated since. The original rent was 1050 and this was negotiated downwards (as low as 800) by the tenants during the recession years. The rent currently...
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    BOSI Tracker Issue

    With the recent media coverage with tracker mortgages I decided to investigate my own tracker mortgage rate. It turns out that my initial loan offer in 2006 was 1,25% over ECB, IO for the term of the mortgage (37 years). Then in 2008 (approx) I fixed the mortgage for 3 years as the rates were...
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    Capital repayments not reducing the interest charged?

    Hi It records the repayments each month but the interest does not reduce. I have been paying for about 2 years now. The interest has gone down with the reductions in interest rates. I actually called Pepper the other day and queried this. The rep didn't know what I was talking about and...
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    Capital repayments not reducing the interest charged?

    Hi, This might seem like a remedial question, but I have an IO mortgage with BOS for my family home. I make capital repayments every month to the tune of €900 in addition to the IO payment, say €500. I don't see a reduction in the interest amount, despite paying off the capital. Should I be...
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    Restructuring KBC Tracker on Investment Property

    I have a KBC Tracker 1.45% for a property in the UK. The mortgage is a 20 year term and the first 5 years were Interest Only. I lost my job about 3 years ago and nearly had the property repossessed. It went as far as court but with getting a new job etc I was able to pull it back from the...
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