Farcat..what did the say theyd do if you dont pay it off within 24 months? If they offer me that il have to reject..were done to 1 wage in house and owe a fair bit on card..on my calculations inclu interest itl take me 5 years to pay off and even that be tight !
Tesco are offering 0% on balance transfers for six months, which is pretty good. They seem to be also offering 0% on new purchases for eight months, which is very, very good, unless I'm missing a catch.
AIB Platinum have 3.83% APR on balance transfers for 12 months, which is pretty good, and same on new purchases, which isn't bad.
So the question for me is - will the cost of my balance transfer to Tesco for the 2nd six months at 14.9%, outweigh the savings on the 0% purchases for 8 months?
Did anyone with an investment mortgage get a letter yet?
I've got an offset with the prestige account and an investment mortage. Still waiting on the letters.
Can someone else say whats on their letters with the offset, are they saying they're going to sell your mortgage to another providor at current rate - 1% or do you keep your mortgage with Danske @ current rate - 1%.
Sorry I was blind! I have seen the few posts about the credit cards.
Has anyone had confirmation that if you pay the balances off over two years that these will be "Bad marks" on your credit history?
Is there no way that Danske could just transfer the balances to a personal loan arrangement and let you pay them over 2 years.
Has anyone had legal advice or similar on this matter - it seems terribly terribly unfair to get landed with a bad credit rating essentially on the decision of Danske to move, and your inability to pay something off immediately which you have serviced up until now, paid high interest on and also genuinely believed you could pay off over a longer period
Just FYI for others, I got my Tesco card, but with a very low credit limit of €3k, less than half what I had with Danske. I'm still waiting for a response from AIB on the credit card application.
Sorry I was blind! I have seen the few posts about the credit cards.
Has anyone had confirmation that if you pay the balances off over two years that these will be "Bad marks" on your credit history?
Is there no way that Danske could just transfer the balances to a personal loan arrangement and let you pay them over 2 years.
Has anyone had legal advice or similar on this matter - it seems terribly terribly unfair to get landed with a bad credit rating essentially on the decision of Danske to move, and your inability to pay something off immediately which you have serviced up until now, paid high interest on and also genuinely believed you could pay off over a longer period
I received a letter from Danske this morning advising me NOT to close my Current Account until so advised, to ensure that my Custody Account can continue to operate. They will write "in the coming weeks" to outline options for the Custody Account.
Hi. I spoke to Danske about paying off credit card balances and overdraft blances, which I told them I could not do in 2 years as stated in the original documentation that I was sent when told that they were closing the accounts. I was told not to worry as a facility was in place to allow people up to 7 years to pay off the debt. I completed the application forms and am nowj ust waiting for that to be finalized.
Anyone closing a Danske Credit Card account, make sure they send you a ‘’Letter of Closure’’
This letter confirms you have paid the Government Stamp Duty for the current chargeable period, 02/04/13 – 01/04/14.
Your new provider should not apply the €30.00 Government Duty until 02/04/15, if you produce this letter.
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