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Thank you Lughildanach. Yes, I have a ROS account. I have an accountant who files income tax returns for me via ROS. I have until the 24th of this month to provide information that I am self employed otherwise may payment may be impacted.

I received correspondence this morning from Welfare.ie seeking proof of my self employment status. I have been trying to upload this information however the system keeps saying: You will need a Public Services Card (PSC) to complete your verification I don't have a PSC so how can I ensure my...

I am also self employed; indirectly affiliated to the construction/estate agent industry. I have so many questions but cannot get clear answers: 1. Can you still receive covid payment and continue to rent a room in your property? 2. I provide assistance to a sector that has not returned to...

You have answered my question Redonion, thank you. No hello letter received as yet and from speaking with the original lender all loan payments must be forwarded to them until the hello / welcome letter is received from the fund. I think this will take another two months as the sale of the...

This is not the same loan. The loan you reference above is now fully functioning with zero arrears.

My home loan was sold in approximately January of this year so I was surprised to receive correspondence saying my loan was in the process of being sold again to a vulture fund. I have not posted on here for sometime; however my financial situation has improved and I am looking to make full...

In a case were income is below the threshold for VAT registration but you decide to rent a room . . . . Will you be pushed into registering for VAT if the rental income added to your regular income pushes you over the threshold?

I made a complaint to the lender and a full investigation ensued. The summary of their findings: Acknowledge my loan is being paid in full and presents with no arrears. In fact the loan has a prepayment balance and will be cleared in full on the date of maturity. Even though the loan is...

It needs to be asked what % of the properties that are seven years in arrears have been effected by pyrite or mica. The latter surely renders a property worthless.

No lies have been told. Some posts may have been tweaked in the past to avoid being recognised. There is no benefit for me to lie when I am here for advise. Furthermore my financial situation has drastically changed for the better. For anyone else in the same predicament I confirm I made...

From rereading the letter it basically says in summary that my loan is being transferred in approx. two months simply on the legal basis that there was a clause in my loan conditions that allows them transfer the benefit of the mortgage to any person or company in accordance with mortgage...

Hi Brendan, Yes, by history of arrears I mean the €600.00. I've already received a letter saying the loan is being sold. I'll dig it out now and post the actual wording.

My mistake this is connected to the December threat of a receiver. My overall financial situation in the past was bleak but this is not the case now and all paying all my loan are being paid in full each month.

Hi RO, No defaults on any other loans with PTSB. The history of the loan is . . . In approx. 2013 I called the lender to make a repayment on my loan. I was asked by the person on the other end of the phone did I want to pay interest only on the loan for X amount of years as the loan was quite...

https://www.irishmirror.ie/news/irish-news/permanent-tsb-mortgage-scandal-bank-13053549 As shocking details of the Permanent TSB scandal emerges, Sinn Fein’s Jonathan O’Brien said he can’t believe the depths to which the bailed-out lender has sunk. And mortgage campaigner David Hall, who met...

The bank insisted in knowing the reason for the arrears. Yes, money is now put aside to deal with the vacant periods. I have now pre-paid the mortgage in advance.

Hi Jim, In the case of a BTL with no arrears and no restructure in place can Start still look to appoint rent receivers and / or look to terminate a tracker rate?

The reason for the arrears was a problematic tenant in the property who wasn't paying and who eventually left. The lender was informed that no tenant was in place however I continued paying full P&I each month. No TAX issues however over a small sum of money I stand to lose a lot. My own...

Arrears have been paid and the loan is being paid in full P&I. The mortgage payments are €600.00 on a 1.1% tracker. Rental income €1300.00 pm