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    Pepper Repossession Case Struck Out After 9 years in Circuit Court, no explanation

    Sounds like they've realised that they are not going to get any more out of you via a repo than they will via PIA route. Keep going with the PIA, you are paying something & engaging so should have a more favourable outcome this time.
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    Advice for 1st time buyer

    She should look on her local council website for homes for sale under the affordable homes scheme. Here are some examples from Fingal - every council runs its own system and decides who gets to live there, so you need to apply for each scheme individually. Looking at her income, if she's in...
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    ESRI: 2/3rds of people living in houses too big for their needs

    The bedroom tax is not a tax, its a reduction in the amount of housing benefit paid to social tenants in the UK who have more rooms than people in their homes. It was actually a rehash of a Brown-era labour policy called "Local Housing Allowance", the idea was that the housing benefit amount...
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    ESRI: 2/3rds of people living in houses too big for their needs

    Actually a lot of older people quite like living in apartments - no gardening, someone else cleans the gutters, windows, looks after the exterior. But there's very limited options that are good for people like that. Its the same thing as the effort to cater for tenants after 2010 - any slightest...
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    David Hall challenged on his forecast of a tsunami of repossessions

    "the transformative nature of his work for ordinary people" ensured that ordinary people couldn't get any kind of mortgage for about 8 years, house prices sky rocketed again minus the necessary new builds, and now here we are.
  6. L

    David Hall challenged on his forecast of a tsunami of repossessions

    Exactly - if that isn't the case we are straight back to 2010 and 2011 were most people couldn't get a loan at all. That's where a dogged insistence ends up.
  7. L

    David Hall challenged on his forecast of a tsunami of repossessions

    End of the day they string it out for a few more years, and the lender takes their entire estate. Its the children of these people that I do feel sorry for.
  8. L

    Irish Times opinion : "Rents on studio apartments should be capped at €500 a month"

    One of the reasons these were so cheap was because they were 20m2 or less, had an electric panel heater & the most maintenance they ever got was a lick of paint between tenancies. They were the legacy of a largescale movement of population out of the city in the 50s to 70s, and they got thrown...
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    Irish Times: "Banning of bedsits set in train housing disaster"

    Yes they did - esp around Sandford Rd, Palmerstown Rd, the Squares around Rathmines. Sandford Rd was going for 800k plus by even 1997. Similar on that road now go for between 995k and 1.3m according to the PPR.
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    Irish Times: "Banning of bedsits set in train housing disaster"

    Yes - the figure I heard for the loss of Rathmines units from 1996 to 2000 was 1000. If there was an average of 7 units per house, thats probably just 142 houses turned back into family homes - or 28/29 per year. And that was before the days of SEAI grants etc, when you were on your own in doing...
  11. L

    Buying over the Metrolink line

    Doubtful. There was one estate in Marino that had minor issues during the port tunnel build (Annadale) but nothing since then from anybody.
  12. L

    Can I buy the freehold title on a lease hold house with a manhole in the garden?

    All a manhole is, is an access chamber to the sewer lines for cleaning, unblocking and upgrades. Shouldn't be an issue.
  13. L

    Help to buy with high savings

    Doesn't matter - all you have to do is borrow 70% and then pay off some of the mortgage early. Or as other posters have suggested go down the route of the FHS.
  14. L

    Planning retention

    If you go to the planning desk in your local council & pay a small fee they will look it up, if they cannot find it you should escalate it to council management. They can and do "lose" planning applications but there are usually archive copies somewhere.
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    Irish Times: "Banning of bedsits set in train housing disaster"

    Una was one of the people howling with rage in the late 90s that all apartments were not dual aspect and were "too small", around the time they changed the minimum size of a 1 bed to 55m2 with a stipulation that the majority in any development were supposed to be 10% bigger again or 60m2, which...
  16. L

    Can a husband who moved out 22 years ago force the sale of the family home?

    Don't think so. I presume its in both their names?
  17. L

    Vulture selling house via bidx1 - no title deeds/no independent waste pipe

    Its not at all unusual for two houses (or more even) to share the line to the mains. I share a line with one neighbour. My parents have the main sewer line run straight down the back garden and they regularly get issues because its on the end of a line of 5 or 6 and the original owner at the top...
  18. L

    Pepper - is it possible to find out who owns my mortgage

    If Pepper are acting as agents to manage the loan, then its immaterial who owns the loan as you know who you are dealing with unless there is an issue. The issue for many people is that terms are not the same as the original lenders and because they are non bank institutions its impossible to...
  19. L

    Did anyone decide not to rent for 2 years?

    Also technically would have a problem with planning if you want to sell in the future as the property would not be as the original PP described
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