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It appears to be, at least in that CU! Still want their bank details? Ask for a direct debit mandate form - it may have all their necessary bank details already filled in. Or make a withdrawal and ask for it to be issued by cheque. Their cheques, if they still use them, have all their bank...

Might you be thinking of COUNTIFS? The COUNTIFS equivalent of =COUNTIF($A$1:$E$5,G1) would be =COUNTIFS($A$1:$E$5,"="&G1).

You appear to have had an adjustment in your loan. If the there was a change in any of the terms - adjusted principal, repayment amount or extending the term, then you would have had to sign a new credit agreement. In effect that may be what happened. In reality the CU topped up your loan and...

If the credit union had a valid nomination before the member died then there should be no question of them not paying the nominee up to the maximum nominated amount (€23k). In some cases there may be a delay while they await funds due from the "free" insurance. But that would only be a delay...

I'm the same 'cause it is so much easier and cost efficient for these takeaways to trap cats/dogs/ducks/seagulls, skin/pluck them, butcher them, dispose of offal/skin/feathers/skeleton than it would be to ask their regular meat wholesaler to include another 10kilo of imported chicken breast in...

Not unless you guaranteed the loan as well as your wife.

Glue/hang/nail a length or two of Foam Pipe Insulation Lagging Wrap Roll - couple of € per 1m

http://www.independent.ie/irish-news/411-people-jailed-last-year-for-not-paying-their-tv-licence-30235625.html

Perfect for Ryan then!

0.05 kilo then!

Yes, you are correct - the nominated funds (€23k) are not particularly relevant to you as Executor and to the issue(s) you have. It is also irrelevant what is common practice in a bank - you are not dealing with a bank! The Credit Union have €27k+ that is due to the Estate of your deceased...

The Credit Union shouldn't "be willing" to do this they should have done this as soon as they had a death cert! They have had an original death cert haven't they? As for the sums above the nominated amount, the Credit Union know that they are going to release the funds at some stage to the...

Short answer YES! Long answer... it depends on the policy in the individual credit Union which are governed by Section 35 – Regulatory Requirements for Credit Unions from the Central Bank of Ireland which defines Rescheduled Loans as ...those loans where the repayment conditions have been...

Just what do you consider to be the "substantive issues" that you have raised?

I either posted or I didn't! If I posted then quote me!

What have I posted that was not rational?:confused:

Fixed your post ... You appear to see this as next of kin trying to hold the credit union to ransom for benefits they are/were not entitled to! From my point of view I see this as a failure by the credit union. They acted in haste and now, I suspect, are repenting at leisure hence the delay in...

So there was no loss incurred by the credit union?

SNAP! :) I think you accepted that the member’s savings were used to pay all outstanding interest due and a significant portion of the loan. That would be standard practice in all credit unions. Where exactly is this When the CU met the next of kin they would have mentioned that there was...

I know that we now have the benefit of hindsight and can see that the CU had no need to act so drastically and deprive the member and his nominee of any benefits AND the Members Savings.:mad: If they had worked in the best interest of their member they could have come to a mutually beneficial...