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    Motor Insuring an 18 yr old car

    My husband's car is 17. We recently re-insured the car with Axa. He's had the car for the last 14 years, and is 61 with no claims or penalty points, so if your mother fits that profile she'll hopefully get sorted. The insurance was only €450 so not too bad.
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    Very poor knowledge of banking from Ulster Bank staff.

    Absolutely spot on MrEarl. When I was in branch banking in B of I in the mid eighties, senior management were absolutely obsessed with AIB and the profits they were making. It was unbelievable. It turned into sell, sell, sell, reduce staff costs etc etc. Instead of wanting old style people like...
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    Very poor knowledge of banking from Ulster Bank staff.

    That takes me back! I wasn't terribly talented at Maths concepts in school but I was always a whizz at arithmetic- a €90 cash difference was €10 for €100 or €540 for €450 or whatever. I see the cashiers in my local branch counting cash 20,40, 60 etc which is not correct. You should count 1, 2,3...
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    Very poor knowledge of banking from Ulster Bank staff.

    I remember that well. Stage A was Banking Law, Economics, Statistics, and Accounting. It was really quite good. I did three parts of Stage A in about 1987/1988 and could have repeated the one I didn't get, but got distracted with marriage and kids!
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    Very poor knowledge of banking from Ulster Bank staff.

    I'm ex B of I staff- old school like yourself Palerider. The rot started in B of I in about 1989 when the bank in their wisdom decided to recruit anyone and everyone to staff the branches. The training was patchy for the most part. Most have no idea how to look for a cash difference and many...
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    50 Now, out by 55??

    Pension age is 68 for me and I'm 55, so it will very likely go out as far as 70 in the next few years.
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    Clearing Mortgage with a lump sum - what happens next?

    I'll be in the same boat in September as our very tiny mortgage will be gone then! I'd also be interested to hear what happens next. In all our (15)years with EBS they never once came near us offering us top ups or extra dosh to buy holidays homes etc. All we ever got was a mortgage statement.
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    KBC new 10 year fixed rate

    We took out a fixed rate mortgage with B of I in 1993 for 10 years. The rate was 10%!! In one sense it was a good move as the SVR was about 14% at the time, if not more. In another way it was a big mistake as almost immediately rates started to fall. We were stuck like that until 2003. B of I...
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    Guarantor on credit union loan

    I'm no legal expert, but I wonder does the guarantee trump the bankruptcy?
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    Guarantor on credit union loan

    That's the reason for a guarantee, in case you are not in a position to repay the loan. It's not something to be taken lightly. I was burned that way myself many years ago, not for a whole lot thank goodness, but it taught me a lesson. The credit union have every right to pursue your parent...
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    Credit Card for 15 year old

    It's not even losing the card - it's if it stops working for some reason. I worked in a large call centre for one of the main banks, and you wouldn't believe the number of people who went abroad with only one card, and it stopped working. I had a truck driver once, stuck on a motorway in...
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    Refinance

    I'm out of the banking scene a few years now, but I can't see any lender being willing to take on that amount of unsecured debt, Well done on getting the credit card sorted. I think you'll just have to plug away at the 48k for the nest while unfortunately.
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    Will closing old, now unused, bank account affect mortgage application?

    I'm assuming that you used the account to pay for a credit card via direct debit every month? Even if you never kept statements showing the payments to the credit card, the bank will have the records, and as far as I remember from my time in the bank we were required to keep records going back 7...
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    Executor allowing my sister to have certain assests for "sentimental reasons"

    We had much the same issues with a relative's will, and one beneficiary made sure they had the pick of the choicest items before anyone else even knew about them. Another beneficiary made the suggestion of drawing lots and was told by an executor that a "raffle" would be inappropriate. In the...
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    Is this conveyancing fee reasonable?

    My sister was charged 4k for conveyancing in 2006 by a solicitor who was a relation of mine. She asked for an estimated bill and was told she'd be "looked after" and not to worry. As I had recommended him, I felt obliged to do something for her so bought her some kitchen appliances. Needless to...
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    NPPR - selling the family home following probate

    Thanks so much Bronte. I never would have realised that you'd need a cert of exemption. i'm going to do that now and keep it safe. luckily I don't throw out much paperwork, so I can get the supporting documentation together reasonably easily.
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    Length of time for Grant of Probate

    My father in law died last year. Simple will - one house and a few quid to be divided between siblings. The solicitor charged 10k. And the estate agent 9k. Fairly steep fees I thought. The solicitor was a family friend!
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    Pension options for a 54 year old

    Hello all I’m just looking for a bit of advice in regards to my pension. Like many women of my age (54) I left the workforce for a while to mind my children. I had a tiny preserved pension from the bank which I subsequently amalgamated with a defined contribution scheme run by my next employer...
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    Where to put €60k lump sum

    Hi all- long time lurker- first time poster. Looking for some advice Age 53 Spouse age 60 Annual income 25k Spouse income 21K Monthly take home pay. Not quite sure as I've started a new job last week. Spouse will be in receipt of pension imminently as they have just retired. I think the...
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