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  1. M

    Where can I access shares to sell

    Hi there. My wife purchased shares a long time ago and has left them as they are since. She owns a number of shares in CRH and receives a dividend cheque annually. She is no longer registered with a broker and is wondering what is the best/ most economical way of getting back on a platform to...
  2. M

    Zoned land tax for valuable farmland

    Hi all, Apologies if this is in the wrong place. I have a relative who is a farmer and has been all his life. His land is close to a town and is valuable. It is zoned residential and as it’s along a main road, it has access to services so it seems he will be on the hook for the 3% Zoned land tax...
  3. M

    Don't recognise transaction code ulsterbank

    Hi. I get the same transaction code monthly when I pay my credit card online. Have you signed up to a regular payment for that amount using your credit card account?
  4. M

    Ulster Ulster Bank 'further redress" for a tracker restored 5 years ago!

    Hi all, Just a brief update. I helped a mate some time ago to get his tracker back and he got a nice cheque yesterday. He is thrilled. I hope you all get sorted soon. M
  5. M

    Ulster Ulster Bank 'further redress" for a tracker restored 5 years ago!

    I thought mine had been settled and had long forgotten about it. When I paid the lump sums to reduce the balance the figure owed was calculated using the higher interest rate rather than the tracker. This meant I had overpaid to redeem the mortgage so these overpayments amounted to a nice sum...
  6. M

    Ulster Ulster Bank 'further redress" for a tracker restored 5 years ago!

    Thank you @Karro77, No I am still living in the original property while our new build is taking place. As far as I am aware this was the first letter that I got on the subject (unless my wife opened one and presumed that there was nothing in it, which she has no memory of) and when I see what...
  7. M

    UB Tracker Return, but capital repaid because I was on SVR, FSO awards compensation

    Thanks a lot @notabene and thanks for sharing all your hard earned knowledge on this topic. In the letter I was given a number to ring to discuss and get application forms to return to the tracker and will do so this afternoon. UB have a fixed rate for 2.6% which I didn't opt for as I like the...
  8. M

    Ulster Ulster Bank 'further redress" for a tracker restored 5 years ago!

    Hi All, I am moving this post as it was on the non redress thread. Got a registered letter out of the blue last week. To cut a long story short I went to the ombudsman (see my previous posts) and was quite happy overall with the resolution, despite the frustration involved. The letter informed...
  9. M

    UB Tracker Return, but capital repaid because I was on SVR, FSO awards compensation

    Hi All, Got a registered letter out of the blue last week. To cut a long story short (read posts above!) I went to the ombudsman and was quite happy overall with the resolution, despite the frustration involved. The letter informed me that due to being on the wrong rate I had paid extra for...
  10. M

    Possible to build a house if I own one?

    Yes it is possible. We own a house in West of Ireland and applied for planning on family owned land in same town. We were asked to provide need of housing and submitted info (family expanding, current house not suitable for our needs etc.) The fact that my wife was from the area, grew up there...
  11. M

    Ulster Bank reduced my rate, but increased my repayments

    Hi, Just wondering if anyone has an update on this? My brother in law has seen his repayments to UB rise by €55 a month following a reduction in his tracker rate. Following a query by phone he received a vague letter (that contained a number of spelling errors) saying that because he had decided...
  12. M

    Dog Breed Recommendation

    We have a small space so I never considered getting a second. He is not bad for shedding hair although after a couple red setters you are pretty much used to hoovering at this stage I'm sure! He is good on the lead and I can let him off lead close to the house and he will come when I call him. I...
  13. M

    Dog Breed Recommendation

    Hi Paddy, Sorry for your loss. We have a Boxer and I couldn't recommend them highly enough. We got him as an engagement present and he was the baby of the house for a time, until the real babies arrived! He was lively as a pup but trained very easily and was a great house dog. He has been...
  14. M

    Contingency on a new build?

    Thanks Monbrieta. I think you have just given us a window to our future! We would be disciplined in many ways but are definitely in the "sure we'll only do it once" brigade and with the motive of trying to make it as close to perfect as we can, will probably do exactly as you've outlined above...
  15. M

    Contingency on a new build?

    Thanks for the input guys. A contingency is a must so it seems. My wife has read/heard that costs often rise between 15 and 20% above initial estimates. Would 10% be cutting it fine? All replies much appreciated.
  16. M

    Contingency on a new build?

    Hi all, We have decided to build a house on a site which my wife's parents have been kind enough to gift us. We have arranged a meeting with an Architect, who has come highly recommended from friends. I have already met with a Mortgage Officer in my bank and based on our salaries (both permanent...
  17. M

    Return to tracker

    Hi again. I am no expert but I reckon it's worth the risk. You have the hard part done dealing with the bank. If you go to the FSOB, I presume worst case scenario you will not get the lower rate and you will not be much worse off. You will not have the use of the overpaid interest for as long as...
  18. M

    Return to tracker

    Hi Bluesky, Your case is similar to mine in many ways. If you check out this link you should get some answers. http://www.askaboutmoney.com/posts/1419788/ and also some other threads which I started. I got some sterling advice from various members of the forum! I didn't get my capital repayments...
  19. M

    UB Tracker Return, but capital repaid because I was on SVR, FSO awards compensation

    Thanks Guys. I think the amount reflects that it is clear that I wouldn't have made the capital repayments had I been on the tracker which I should have been. I don't think I ever really expected to get the money back (I think Brendan first suggested it) but looking back I think it was important...
  20. M

    UB Tracker Return, but capital repaid because I was on SVR, FSO awards compensation

    Thanks Bronte. I agree completely, these things can definitely be won but the hard part is keep going and not give in the obstruction and bureaucracy of banks. Checking back over some papers made me realise how frustrating the whole process of dealing with the bank was. Many times I rang phone...
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