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Is" investment return " their wording or yours ?

AIB are acting the maggot .the indicative break fee they quote is driven primarily by the difference in the Mortgage rates (A). If you decide to go ahead they will then calculate the break fee based on the funding cost difference (B). They will then charge you the lower of A or B . This info is...

I would argue that the property is not capable of being put to profitable use . You paid for it , you gifted a joint ownership to your wife and you will not give permission for it to be rented out .

I'd say it's fancy lingerie to tittilate her lover

Don't be getting too upset . The Central Bank and Padraic Kissane are well aware of the intricacies here . Try and put letters of offer ,MFAs and legitimate expectations aside for a while . An overarching fact is that it was Bank policy at least until September 2008 that staff mortgages would be...

I think you are confusing the Final Solution with the Financial Solution .

The "untermenchen" could always be relocated to camps , fed very little and those that could do menial work kept alive . Probably the cheapest option for the Goverment but it was tried before and was followed by the Nuremberg trials and everlasting odium and shame .

Mortgage Interest is neither charged ,compounded nor capitalised every day. Mortgage interest is calculated daily(on the outstanding balance ) and posted to the account monthly or quarterly depending on your financial institution.As far as I'm aware all the old monthly and annual rest accounts...

if your mortgage was originally an ICS mortgage you may( if they used the ICS documentation in Oct 15) be able to pay off up to 10% of the balance each year without penalty . Check your documents or ask Dilosk this specific question .

I think you're correct but there might be an implied contact given the bank's previous behaviour. Unless the bank capitulates it would have to be tested in Court .

Just to clarify I'm not a staff member and the 5 cases I refer to were not staff .

I'd agree with you that it looks like that on the face of it . The logic of all these shenanigans was to provide the best possible rate for staff without incurring BIK and staff unsurprisingly bought into this . But the reality is BoI broke this "trust" in 2008 . My own opinion is that BoI have...

are you staff ? Don't give hope yet . There's a good bit to go in this process yet . Pauric's presentation to the Oireachtas will turn up the heat on the Banks . Best of luck .

Not according to Revenue . This seems to have been a huge hang up for BoI .

Are you referring to staff MFAs or MFAs for "ordinary" customers ? The 5 cases of "ordinary " customers , that I assisted with , who went on 3 year fixed in 2006 , had their requested return to their original tracker margin denied in 2009 but all were subsquently returned to their original...

"Through incompetence they sold a product without understanding it could bring down the bank or at least cost them a fortune. Despite paying a CEO 2 million a year they didn't understand fundamental banking principles of risk" . This is also completely incorrect . Most of the senior management...

This post is complete fiction . Nobody in BoI attempted to "relieve " customers of their trackers before Autumn 2008

Divide the net amount by 0.59 to get the gross amount . revenue are not going to be bothered by a few pence rounding .

I'd be surprised if an ICS Mortgage issued in 2006 did not have a roll to tracker option . is there anything re margin over ECB in the "special conditions " section ? another alternate reason is that when your original fixed rate expired in 2008 ( pre Oct ? ) you should have been offered a...

Should be great fun when Richie contests the constitutionally of the FF bill and calls his principal witness the Governor of the Central Bank .