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    Friends baby born stillborn. She cannot work. Any Social Welfare Financial Help ?

    Hi Senni, I am so sorry for your friends awful loss. You didn't mention in your post about maternity benefit. Your friend will still get 26 weeks maternity benefit, if she has not claimed this yet and has worked for three years. Citizens advice might be able to advise on other avenues to...
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    Living pay day to pay day - need some advice please

    Hi Jilly, Well done for asking for help and for looking after your family so well. Citizens advice can be very helpful for talking through your situation and advising what other supports are available to you. A friend of mine volunteers with them and she is always a wealth of information for...
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    Two OMC residents want to withdraw from shared cleaning - Any ideas?

    I don't think this is workable. You pay a contractor to do work, they sign up to provide a service. Are the residents who do their own cleaning going to sign up for a standard, for a committed time period? Another issue, if they injure themselves while "working" on the cleaning will they have...
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    Mgt Fee in Arrears, withhold Insurance Claim?

    Thanks for the reply. It is very likely the claim would be paid out as it is damage between apartments. The advice we were given after this post is that we cannot withhold funds as the insurance company would pay these to repair the damage so the funds must be used for that purpose. I would...
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    Mgt Fee in Arrears, withhold Insurance Claim?

    Hi all, Would anyone have any view on this potential situation. Member of OMC owes over five years in back fees. Member is making very small payments towards the arrears, if they continue at this rate they will never pay off the arrears. Member has made a claim on the OMC block policy. If...
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    KBC KBC says I am not impacted

    Hi, We never had a tracker, it was an option discussed with the broker at the time but we were advised to fix and went with that. We were a private dwelling, own home. I too am confused at the differing advice and situations. Very happy to hear someone has had a positive outcome. Will take...
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    KBC KBC says I am not impacted

    We drew down our mortgage in Feb 2007, fixed for two years and have the prevailing rate statement in our Loan Offer. Received this response from KBC yesterday stating we are not impacted at all. We are still going to request a copy of all our documents and send them for independent advice, it...
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    Buying a House - Contracts Signed - Boiler Has just broken down!

    Hi all Thanks for your replies, they have helped us decide what to do and hopefully will help others too. We are coming to an agreement with the sellers to share the cost.
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    Mgmt company preventing short term lets

    They might win but the company might not have the funds to pay the legal fees to take the case in the first place. It could just be a practical blocker to this. The letter they have sent so far is free, anymore spend would have to be director approved. Doesn't really address the issue but by...
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    Buying a House - Contracts Signed - Boiler Has just broken down!

    Hi all, Going through the process of buying a house, we have both signed contracts and agreed a date to move in, end of this month. Solicitor just called me to say the sellers boiler has broken down. They want to split the cost with us. Has anyone experience of a similar situation and how it...
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    Mgmt company preventing short term lets

    It might be worth asking what the difference is between air BnB lodger and renting a room out for example? That would be a lodger so are they banned too? Are you advertising the full property for short let's, when you live there most of the time or do you live somewhere else and want to short...
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    Breaking mortgage conditions maternity leave

    Hi I have a mortgage and reduced rate based on bank account with same bank. I opened this account maybe two years ago. Last year I went on maternity leave and also took unpaid leave. The bank never raised this with me. I continued to use the account as normal. Once I started being paid again...
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    Mortgage approval on Maternity leave

    Hi Realta, I had mortgage approval in principal earlier this year, when I was on maternity leave. It was subject to me returning to work and providing a payslip with my full pay again (the holiday pay at the start of my return to work didnt count). I think it is normal for the bank to want to...
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    What about cases of a FTB buying with a STB?

    Hi all, To update on our situation. We had received Approval in Principal for an 83% mortgage. However, in the last few weeks as the banks have clamped down on exceptions before we had formal mortgage approval, we now can only secure 80% mortgage maximum.
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    House Deposit required for Couple - One FTB, One STB

    Hi there, Here is an update on our situation in case it helps anyone else out. We decided to try and get mortgage approval to see if we could confirm once and for all what deposit we needed. We went through a broker as thought they could advise us best. We got approval in principal for a...
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    House Deposit required for Couple - One FTB, One STB

    Thanks Joe, yes the full bill for the apartment would be higher when you add in the above. I would be splitting that with friend. Do banks really care if I'm not paying my MC, taxes etc though? I didn't think they would include that in calculating new mortgage liability. As an active member of...
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    Want to buy a new house, should I keep my jointly owned apartment in NE?

    Thanks Brendan. Myself and friend are happy to keep the apartment, we've put a lot into it that we hope some day to see a benefit to keeping it long term. Neither of us would be happy to hand over to the other. Sorry if that wasn't clear. It's the odds of getting a mortgage and what deposit is...
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    House Deposit required for Couple - One FTB, One STB

    Apartment is valued at 200000. Mortgage is 230000. Rate is 3.9% variable with Kbc. Not a tracker mortgage. Repayments are 1623 (we are currently paying 1723 as a small overpayment). Rent in the area is about 1400 for similar properties, so if we rent, we would have to sub by 200 per month...
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    Want to buy a new house, should I keep my jointly owned apartment in NE?

    Apartment is valued at 200000. Mortgage is 230000. Rate is 3.9% variable with Kbc. Not a tracker mortgage. Repayments are 1623 (we are currently paying 1723 as a small overpayment). Rent in the area is about 1400 for similar properties, so if we rent, we would have to sub by 200 per month...
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    House Deposit required for Couple - One FTB, One STB

    Hi, Hoping someone can help clarify or see if anyone else has had any experience of this situation. Myself and a friend purchased and apartment in 2007. The usual negative equity applies. I live in the apartment but we plan to rent it out in the future. My husband and I are saving to buy a...
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