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Hi Suzieb, my advise to you is just do everything by the book, keep calm and go through the correct process, call RTB and see if they can move any faster on this, and yes call S.W and see if they will transfer the rent over to you, no harm in asking,

Hi Red Onion and Brendan - Thanks so so much for all of your help, Dilosk got back to me letting me know that I CAN break out of the fixed rate 13 mths early, am delighted, They have waived the fee as they feel I am a "unique" case ! Still annoyed over the fact that they should have let me break...

Just following up on my last post - Have been onto Dilosk asking them to explain their fixed rate equation and I got back the following info: A(Current Balance) €141k R (Cost of Funds)2% R1 (Deposit Rate)0% D (Days between Fixed rate end date 30/09/2018 and Todays date 11/07/2017) 446 C =...

Thanks Brendan and Red Onion again, ye are very helpful with all of your information, Here are the details: Lender - Dilosk Amount of mortgage balance outstanding 141k Date you fixed - Oct 15 Period for which you fixed - 3 years Fixed rate 3.5% Term left - 21 years (Missed out on a tracker by...

Hi Brendan and Red onion, So I got the breakage figures back from Dilosk, They are as follows: Capital Bal €141k Interest due €149 Fixed rate breakage cost €3467 (This has come down from the 4.4k figure I was quoted 4 mths ago) Total amount required to repay mortgage €145k Daily interest...

Will do thanks RedOnion, and you gave me very useful info even with a bottle of vino - lol.....tks

Hi RedOnion, current balance at present is 140k, fixed in Oct 15 for 3 yrs @ 3.5%, Balance when I fixed in was 160k so was allowed to pay 10% off, done that and balance is now 140k, Would love to pay another 60 to 70k off this now but unfortunately can't unless I pay the breakage fee of €4400. I...

Thanks for your reply RedOnion, here is the wording - If you repay your mortgage loan when you are on a fixed rate of interest, it is likely we will suffer a funding loss, If we suffer such a loss you must pay us compensation when we ask you to pay it, Such compensation will be equal to "C"...

Very interesting post there, I too locked into a 3 yr fixed rate @ 3.5%, and with 19 months left to go on it was quoted a breakage fee of €4400, Does anyone have any idea why the breakage fee was so high, Bank is Dilosk, seems very high compared to what Eoghan was quoted from UB. I owed 160k at...

Hi Miakk, Try 123.ie or Chill, I find either of these have the best value, Get quotes from both, In saying that I don't know what they are like if it came to a claim as I have never had one,

Having been a landlord for a number of yrs now with a few rental properties, We always look after good decent tenants, and we have been lucky for the most part finding nice people, We had one group of tenants stay with us for 9 yrs and were sad to lose them when they returned to their home...

Hi dodo, the right thing to do is be upfront about it, this problem is not going to go away, get your brother to call them and explain the situation, Leo is right, take his advise, you will get sorted out,

Yes call them up and explain what happened and that this was very unusual, they will understand this, A friend of mine clocked up huge data costs like this and the provider knocked 60% / 70% off the cost, let them know this was a once off and it will not happen again, good luck,

Tks Ceist Beag - the thought of putting it up for sale has actually gone through my mind, get rid of completely and be done with the stress of it all,

Hi, don't trust a current tenant saying they have a friend, this so called "friend" that I let move in now has my property in an absolute mess, You will find someone fairly quickly, just vet everyone carefully,

great tks so much Sarenco,

So it was let out in Aug 15, (my error above I meant to say 2015, not 2014) so right now if I give them 3 mths notice of a 4% increase, the "t" is 24, is that right? and the new rent takes effect then, ?

Thanks Sarenco - u are very helpful,

and yes Sarenco - that is my goal - to secure vacant possession and re-let the property in the shortest time possible - assuming the tenant does not remedy the breach,

lol...tks SirMille - believe me I wouldn't go to bed in there, the state of it, mould everywhere from no ventilation, am so confused - literally don't know which is the best action to take,