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    ICB - Has record of missed payments with INBS disappeared?

    There does seem to be a cleaning out of old accounts ,particularly on now non existent companies such as INBS ,when ICBs were not transferred to the new entities . INBS having paid up until they folded would still be entitled to stay on ICB , but probably its a simple case of items not...
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    If you could sign any Executive Orders??

    Purple , You might be right, so maybe employers might need a massive investment in training V hoping the skilled labour exists. That would be a win - win.
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    Residual debt

    Gerard 22. Do not take phone calls . 1. Anyone phoning you, should out of courtesy identify themselves , do not say who you are , ask them who is calling . If they do not say who it is but waffle on about needing date of birth just hang up . 2. If you accept a phone call it can be taken as...
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    Is it worth contributing to a pension, as the state pension wll probably be means tested?

    UK pension for those with full contributory is £ 155 . ie less than ROI . The Conservatives made a big play of linking it to inflation etc ,ie ensuring its real value over time , the voters bought into that promise. It now looks that with Brexit/Austerity/demographics that that voter friendly...
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    Is it worth contributing to a pension, as the state pension wll probably be means tested?

    Merowig , Not wishing to depress you but our Government has already (stolen) from private pensions. You have no choice but to trust the government that on retirement you can expect some fairness in how your savings/pension will be treated . Things change and in 2 decades we have gone up and...
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    If you could sign any Executive Orders??

    Purple , Definitely not enforcement . Suggesting that as automation has moved on ,we need to reassess working time . If that means shorter weeks creating more jobs V too many people having no jobs , then would that be good/bad ? Just musing !
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    Public service pay scale

    Firefly . I have been unemployed and on a low wage in my time . I have also been subject in earlier years, to much higher income taxes than we see now. {fleeced} as against what ? And what relevance is that to Public Service pay scales ? From what I understand , most Public Service people...
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    Public service pay scale

    I wonder if performance based works , didn,t our wrecking ball Bankers , performance base things ? Purple , Problem is { open market rate} dissolves into very poor incomes etc.
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    If you could sign any Executive Orders??

    I remember it was said to get to 39 hours would wreck us , and the row over most people getting Saturday off . We better get used to less time working to give most people some work !
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    If you could sign any Executive Orders??

    4 day week to be the norm.
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    trump for president good/bad for ireland

    I see General Trump is now on the ball with President Kim (known affectionately as fatty the 3rd). If it wasn,t serious it could be funny ! General Trump reminds me of the old comment of a Union General about a Confederate General who lost a lot of men, {he is a very brave General, he...
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    Noirin wont go

    cremeegg, there has been too much political play acting over commissioners . In my life commissioners have been wagged far too much by short term political/populist dog considerations. Our Dail would vote for Putin if they thought there was a populist vote in it !
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    Public service pay scale

    Consistently over the years I have found public servants/public sector workers efficient and helpful . I cannot say that about the vaunted private sector. Never have I been short changed or robbed by the public sector. . I also believe that their wage rates help to set a level that the much...
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    Buying years or take the money...

    It appears that for the next few years all pension funds are not going to grow much . K97 is not a large private pension in that @ 65 you need circa k25 in fund to get k1 of an annual pension. eg to get a k20 pension if you were retiring today @65 takes a pension pot of circa k500! Lets say...
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    41 looking to retire at 50... possible ?

    After your pension contribution @ 25% you have k70 + spouses income of k 100 = k170 to live on. I assume ? you will need a similar lifestyle ? 1. Have k120 left of the k170 after tax ,less savings k50 each month = k70 left to spend It seems you require a net k70 per year to maintain life...
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    Dodgy mortgage broker

    Suebee , It is not {if that was the case } it was the case ! Even your own dealings with Professional/regulated? Bank people was wrong .You were probably a shoe in to shovel more money @ . postman pat . Stop it now ! the poor Bankers , sure it was Head Office what made me do it !
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    ICB Credit ratings

    T . Terms revisited . ( Borrower and lender agree to revise the terms of the account , The account and profile are frozen at this point showing the outstanding balance and a new account is set up with an opening balance equal to the closing balance of the original account ) If you 5 years...
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    Vulture fund,civil bill

    Agree with advice given .... 1. Stop taking phone calls , they are recorded and can be taken out of context . 2. Keep everything in writing . 3. Continue to pay what you can reasonably afford . Don,t be too (miserable) on your own outgoings. With the site place issue , I can,t see Tanager...
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    Vulture Funds may have problems enforcing their securities against distressed borrowers!

    Cabot , are as you say, a credit servicing firm , it means they do the collection type grunt work for banks and credit card companies etc. Cabot , also buy {bad} debt from Banks and credit card companies etc. They take a punt that they can squeeze more from the defaulter than the original owner...
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