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Thanks for clarifying Steve. Not surprisingly, moral of the story is it pays to shop around......

Thanks Guys for the replies which are very helpful in my position. Steven, just to clarify, I can place my fund with Friends First on a self directed basis with a total charge of 0.4% and no surrender penalties?

I'm in process of starting an ARF and not too impressed with 1.25% annual charge quoted by Irish Life on 750k fund. And there are heavy surrender penalties. So I'm considering self directed as an option. Browsing the forum there's a thread listing approved providers here...

I posted on here some months ago re pension problems and available options. I thought I should highlight, by way of thanks, the exceptional support and assistance I received in the interim from Vincent Digby QFA, a regular poster here under the handle Northstar. I really can't thank him enough...

Thanks for getting back Vincent. Be talking over 200k. Which I'd be mad to walk away from.

By way of update, it's taken me up to now to get update information on my pension status from the pension administrator. These people don't share my sense of urgency when I submit routine queries! The position is that my pension is scheduled to pay out in mid 2018 and there's provision for a...

Hi Thanks all for the advise much appreciated. In response to sorrento, I'm age 63 and I am a member of a DC pension scheme. Regarding Social Welfare, this is something I'd prefer not to pursue right now, though for a period after redundancy I was paid JS benefit which ran out. Any kind of...

I have a Pension fund of roughly €1m and I'm due to retire in mid 2018. I was made redundant a few years back and essentially have been living on savings plus a redundancy payment. I still have family and mortgage commitments. Problem is I'm going to run out of cash in coming months and I'm...

Gordanus, Would very much appreciate if you could provide a quick update on the double glazing job - were you happy with product quality and service provided by McGuinness in Donegal?

Hi Brendan, thanks for prompt reply as I said I'm new to all this and still maybe a bit traumatised at what could be in prospect. I discussed VHI as an option with the referring clinic and I would have thought they would quote the code upfront if it's a routine requirement in terms of...

Evening all I asked VHI to confirm if I'm covered for a CT scan and they said I needed to get back to my clinic for the specific code for the procedure. Is this normal practise? I would have thought that for a common procedure the insurer should be able to confirm based on my contribution...

No mention of the service charge which I believe is substantial on this estate. Also with such a large number of units how can payment be enforced? Will the social housing punters be asked to pay?

Just to report progress on our mortgage problem. The bank have agreed to reschedule over 10 yrs which reduces the monthly payment to a more affordable €550. It's a tracker mortgage but this hasn't been flagged as an issue! The new arrangement will be backdated to the April payment which should...

Thanks wbbs for explaining the complexities of the DD process. A friend says given a choice between a conspiracy and a cockup, chances are it's a cockup. This applies here as the bank wrote yesterday to say I needed the two mortgage signatories to amend or cancel the DD. Bank 1 Me 0. Stupid...

Thanks guys I had no idea the bank would resort to this kind of tactic. I will certainly get in touch today mark71 when I said I put it in writing I actually signed a DD cancellation form in the branch so don't have a copy - maybe I should have requested a copy at the time

Folks, I'm at my wits end. Having cancelled the mortgage DD in writing 10 days ago I checked my account today and guess what? The bank have simply ignored my instruction and debited my account by 2K. As a result I now have a substantial unauthorised overdraft which of course will attract further...

Don't know anything about Deansgrange Catholic parishes but we have a kid in Monkstown Educate Together NS and it's a brilliant school. However operates under non denom model so may not suit if catholic ethos is important. If you're not familiar it's located on IADT Campus, Bakers Corner Lots...

Thanks Munchy and apologies for delay with reply. Yes, the current account is with the same bank. As you say need to ensure my instructions are complied with.

Appreciate the advise which I followed; I wrote to AIB saying I was cancelling the D/D and explained I would maintain payments I can afford. No response to date, of course I also proceeded with the cancellation. I was questioned by the teller in the branch who made it clear my action wasn't...

Thanks to Munchy and wbbs for the advice. It's embarrasing to admit but I was under the impression that the D/D is controlled by the creditor which is sets this method of payment apart from the old SO. Wrong obviously! While I'm tempted to cancel straightaway I thought I would first ask the...