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Would it not be better if they stuck with AER? It looks as though the return is much higher than other banks. Mortgages don't use the gross figure either.

How can AIB get away with stating 6 % interest here?

Hi peteb, yes, there are no shared services and no common areas. Cover is always available. We finally got a reply from the underwriters and yes, we are insured from a fire coming from outside of our dwelling. The insurance brokers broke data regulations speaking to a third party and passed on...

A maisonette type of dwelling with separate entrance and no common areas.

Hi, Got insurance. Fire only as unoccupied. Policy simply states insuranced against fire, usual limits - water off, visits every forthnight etc. All acttended too. As there is a dwelling underneath and another on one side but no common areas, again all stated, should the terrace next door or...

Hi Peemac, The the term SVR is on our letter, for a buy to let.

As executor of an aunt's will I am getting mixed messages on whether I need to probate the will. There is no home to sell. The assets are 45K. Debts to come out of this. The two solicitors she had vary in opinion. One says assets are minimal so not needed. Other says perhaps should be done...

Thanks Leper. The paperwork was very well laid out and I expected to find a policy number easily. There's more to be done so. Thank you

Thank you.

No. Nothing. Its an old one and I thought it would be written down. In fact I'm surprised it wasn't. Thank you for the advice. I'll plough on

Is there a place to go to find the policy for a deceased relative? They told me they had one for funeral expenses but nothing has turned up in there affairs. They did have one but how do I find it?

As a landlord what is the wear and tear aspect? Is it the building or the contents? Where do you offset this? On the Form 12 where does this go? Is a life policy on the mortgage allowable as an expense? Thanks in advance

Hi Masque, We are in the middle of getting data from UB about our mortgage. We put in a data request in May 2016. We have a main mortgage from 2006 still running and had a sub mortgage from 2007 which we paid off in 2011. We find they have most info on the main one but the sub is poor. We are on...

Thank you

Yes. A separate power supply indeed. Do I send it back to them?

Good advice above. You receive feed from different satellites so that explains why some channels are ok. We had same and it was foliage although I was sure the tree wasn't in the way. It was. Cut it back. Perfect. (Our dish is attached at waist height on our house. Very easy to check things.)

I have a large workshop beside my home on the same site. I received a new eircode in the post for this. Is this a usual thing?

How true and there is no mention of the 1 billion UB paid to it's parent company RBS in dividends last year. That's got to punch a big hole in your cash flow.

Hi all, does anyone have a link to or know where I can find the CB guidelines for redress. It states on the 'Tracker return letter' that the CB sent the guidelines to UB and we can be 'assured' that all will be well. Difficult to trust without reading it ourselves. Any help?

Thanks