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  1. M

    Life Life insurance - genuine mistake, what next?

    Thank you @Monbretia - would you have a reference number for this Ombudsman's decision by any chance? When was it? Ombudsman's decisions are publicly available but so many - having a ref. no. would help to find it and learn more of the circumstances.
  2. M

    Life Life insurance - genuine mistake, what next?

    Thank you @Steven Barrett - do you think it likely that the insurance provider would have treated my application differently if they were aware of the all-clear results of the check-up?
  3. M

    Life Life insurance - genuine mistake, what next?

    For the argument sake - is my case/ reasoning strong enough to challenge a potential refusal? I'm reading some decisions of the Financial Services and Pensions Ombudsman on non-disclosure and it seems that the main indisputable reasoning for rejecting claims is when people have records of...
  4. M

    Agent says 'they don't do fixed term tenancy agreements, only Part 4'

    If the agents decide not to issue the fixed term contract to us - is there any advantage in us signing the ‘agreement of conversion to part 4 tenancy’ they keep pushing us to sign? I understand that with part 4 tenancy there is no need to sign anything?
  5. M

    Agent says 'they don't do fixed term tenancy agreements, only Part 4'

    Thank you @_OkGo_ for your reply! In a fixed term lease, a Notice of Termination can be served for only 3 reasons which include break clause in the lease agreement (none in ours), both parties agree to this, and a breach of obligations by tenants. In case of part 4 tenancy, there are a few...
  6. M

    Agent says 'they don't do fixed term tenancy agreements, only Part 4'

    Thank you @Leo for your reply! But I guess this also means that we do not need to sign anything - including the 'agreement of conversion to part 4 tenancy' they are insisting we sign?
  7. M

    Agent says 'they don't do fixed term tenancy agreements, only Part 4'

    Hello, We have been renting at the current address for over 7 years. Some facts to set the scene: we are tenants at the current address since April 2013; fixed term tenancy agreement signed every year; change of the ownership at the end of 2018 + change of an agency; early 2019 - the new...
  8. M

    Should I switch to 1 week/ 1 month basis?

    This is fascinating and most informative - thank you so much for all your help!
  9. M

    Should I switch to 1 week/ 1 month basis?

    I am a permanent, full time employee and receive a monthly salary. I have been in my current employment for almost a year, and have been working from home since mid March last. We have been assured by our employers that we are still quite busy and should remain working full time for the time...
  10. M

    Choosing funds for Standard PRSA

    Thank you again @1dave123! @Sarenco - sound advice, but I do like an idea of investing in a variety of funds.
  11. M

    Choosing funds for Standard PRSA

    10% Gold Fund is not available to me. How about if I replace it with 5*5 Global - it is also an equity fund, 'select group of up to 50 equities across the globe'?
  12. M

    Choosing funds for Standard PRSA

    @1dave123 - this is brilliant, thank you for all your advice and the helpful explanation of how things work!
  13. M

    Choosing funds for Standard PRSA

    Thank you so much @RedOnion!
  14. M

    Choosing funds for Standard PRSA

    I am about to set up an execution only 100% allocation 1% AMC Zurich Standard PRSA. I know nothing about investing as I guess listening to the Newstalk’s Breakfast Briefing doesn’t count. But what seems apparent is that the markets have become even more unpredictable and volatile since I have...
  15. M

    Bank requesting historic bank statements and copy of property sale from 4 years ago for mortgage application

    Thank you for all the comments, most helpful! Have a great weekend.
  16. M

    Bank requesting historic bank statements and copy of property sale from 4 years ago for mortgage application

    Thank you @NoRegretsCoyote for explaining this. I will see what the bank comes back with after reviewing the additional information.
  17. M

    Bank requesting historic bank statements and copy of property sale from 4 years ago for mortgage application

    I have forwarded some of the additional information to the bank this morning, but if the bank insists on the copy of the contract, this would mean hassle for me and quite a bit of expense as it would need to be translated to English. And how do I know that they don't ask for even more...
  18. M

    Bank requesting historic bank statements and copy of property sale from 4 years ago for mortgage application

    It has not occurred to me that I could be suspected of any sort of money laundering involvement and yes, I perceived this request for 3+ years of statements and a copy of the property sale document as an invasion of my privacy. Also, perhaps in my naivety, I I felt slightly insulted with this...
  19. M

    Bank requesting historic bank statements and copy of property sale from 4 years ago for mortgage application

    Thank you @RedOnion, it didn't occur to me that I could take a loan in the other country. I will forward to the asking bank additional bank statement from a few years back to show dates when money were paid to me for the property and the amount paid to the estate agent. But I feel that asking...
  20. M

    Bank requesting historic bank statements and copy of property sale from 4 years ago for mortgage application

    Thank you so much for your replies @michaelm, @huskerdu and @RedOnion! @michaelm - I understand that the underwriters have requested this, as the 'evidence the source of funds'. @huskerdu and @RedOnion - I'm afraid that if the bank refuses our mortgage application it will show somewhere in...
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