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hi all, I took out a cu loan in 2007 (good times!!!) for €18k. 22 years old at the time, loan guaranteed by my mother. Stupidly handed the €18k over to my boyfriend (of the time). Loan was paid on time at the agreed rate for 12 months. Ex partner then ran into financial difficulty and loan...

Just an update.... employer approached me at the start of the year and has told me that my wages have been 'increased' to €10 an hour after tax as requested!!! Payslips are still only given to employees when requested. Have not yet received a P60 nor has there been any word about getting it...

Unprofessional is an understatement. Net pay is what has been agreed and is what was stated on documentation. Contacting social welfare for copies of said documentation.

20% commission on a certain type of sales, paid monthly. Don't get payslips unless we request them.

I have 3 one hour breaks unpaid, hours worked are ex lunch breaks they are actual hours worked

Yes absolutely 100% sure it's €10 nett, I have a copy of documentation signed for Social Welfare stating €10 nett. All credits signed to this employment as I dont work anywhere else. Checked with other employeed, they're €10 nett also! So do you think I'm entitled to my backpay?

Hi everyone, looking for some advice. I began employment last March at an agreed rate of €10 per hour after tax. Recently I did a tally of hours worked so I could determine what's owed to me in lieu of bank holidays. I work 25.5 hours but only get paid €240 weekly, so I've been short paid €15...

Hi Thanks for your reply and advice Slim. Just wondering what consequence this course of action may have on my guarantor?

Hi Everyone, I've written previously about my problems with CU. Long story short there is currently approx €10k owed to my credit union, €2k in shares, and arrears of €5k...yes €5k. It has been a tough struggle for me to keep up with my repayments. May 2011-Dec 2011 they received €400...

Hi all, Was just thinking about offering the Debt COllectors a token amount of payment per month until such time i am in a postition to make a more generous monthly payment towards the debt, eg. €10-€15 a month. I figure this may help ward off their threat of legal proceedings. ie send them...

Thanks for the replies. Agreed my head in the sand approach hasn't done me any good. I e-mailed them todday- told them my financial position..(no exact details kept it very general with no figures), gave them the address they can find me at, requested that they absolutely do not contact my...

Recently BOI allowed a Direct Debit go from my account. It was only €50 but i questioned them as i do not have an overdraft facility. I was informed that because there were regular payments into my account they let the DD through...in fact I hadn't had ANY money lodged to my account since...

Hi All, I am wondering if i can ask for your advice. In 2007 I purchased a car on HP through AIB €8000. I paid the loan until early 2009 then ran into terrible financial difficulty. I was living overseas at the time- I tried selling the car and was offered €6500 for it which AIB refused as i...

Thanks Ontour...you are correct i have stayed in constant communication woth them, even ringing them on one occassion at 9.05am to inform them that my payment would be one day late- and to be honest i got a very snappy/bit**y response from the credit controller warning me not to let that happen...

Billo, The loan was taken out as a home imporvement loan as is a standard loan available from the Credit Union. The loan is being paid, and has reduced significantly. As for it being members business as to where the money went- it is the job of the Credit Union and its staff to authorise...

Billo...not that i think it is any of your business where the 18k went i will tell you. It went to renovate a cottage from being a deralict, unuseable building to a home where i can now live.-rent free. Boyfriend bought the house- he put 50k into doing it up i provided 18k and now i live rent...

Hi Slim, Thanks for ur reply, when i began paying after a long period of arrears in May 2010 I gave them €1200 upfront to offset against backlog of interest. I am going to arrange a meeting with them to discuss the €374 pm repayments, hopefully they wont huff and puff too much, the fact of...

He was very stern in stating that there was no possible way that this could happen said that it was against cu rules and that in fact the matter was with the Financial Regulator because so many people had the same difficulty as me!!!

` Thaks demoivre, his responce makes sense now... i've got €2k in shares and €11.5k in debt...not even 25% as it stands...

Hi there, Just a few questions in relation to my cu loan. I'm new here and am delighted to have found this forum maybe someone can offer me some help and advice. I'll try and keep it short and simple.. -I took out a loan of €18,000 in May/June 2008. Repayments €374 a month -From Oct 2008 i...