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Yes but I was planning on cancelling and then going on to company policy when he starts should be max 4 week gap in cover so would imagine that's ok?

Laya don't allow that. Our policy is up for renewal towards the end of Feb . I'm thinking best bet is not to renew and just wait till he starts his job ...break in cover will be well under the 13 weeks

In similar situation my husband is due to start a new job on 6th March. Our health insurance for family (2 kids) is with Laya .his new employer covers health for the family. Until I read this thread I had planned to renew and then just cancel when he moved now I'm thinking this might not be...

This thread is painful! It' the same rant over and over and not listening to anyones advice! I'e heard of people being confused by finances but this clearly takes the biscuit. In my opinion either this nurse new full well she was borrowing well above her means and just ran with it or she is...

Jeepers the bank tracked you down between your post last night and today????

Hi Snowy Looking for advice too. 1 adult on advantage 500 explore and 2 kids 5 and 3 on essential connect family. Likewise a 10% increase in premium to €1034. Day to day cover is not important to me. Just hospital cover should we require it. Wondering what other options are available Thanks

I'm actually considering 70 % fixed and 30% variable. I'm currently on the 5 year fixed 60 to 80 %Ltv...this split would keep my payments pretty much the same now but allow some security for the future. Just want to do some more thinking/research to make sure I'm making the right decision

I spoke to 3 different people on this and u can only over pay up to 10% on 1,3 and 5 yr fixed the new 10 year fixed does not allow for any overpayment . I'm still unsure what to do. I wish I had a crystal ball to see where rates will b in 5 years time

That would be great. I really don't understand how break fees are calculated .

Yes u are being pedantic. I meant u can't overpay by a 10% like you can on 1,3 or 5 yr fixed! Overpaying would incur break funding fees I am currently on 5 year fixed they will let me out with no break funding fee to go on to 20 year . Will even let me split it. We are a 1 income family...

I was just talking to kbc re 10 year fixed. You can't overpay at all on this rate. I was going to sign up for it but this has turned me right off.

Yeah it's a bit of a joke to be honest. It's only of benefit for children born between June and September really. Any kids born after January will only be free from April and to get a place you would have to pay from the September. Worthless really

A generation of parents now about to be guilt education in to borrowing to help their kids. Hideous is right It's like no one learnt by past mistakes

Well if that was the case then it was illegal lending and I think banks and brokers should be held accountable! It makes my blood boil that the tax payer bailed out the banks and people lost their houses as a result of pay cuts,increased taxes as they couldn't fulfil mortgages that probably...

Oh wow I take my comment back then!! I am genuinely shocked by such practices though!

I don't understand this either? I've never ever heard of a bank transferring money directly to the client the whole point of sending it to the solicitor is the solicitor has a legal obligation to the bank to ensure the money is paid to the vendor of the agreed property. If they transferred...

So we met with the bank today. I met with them on my own on Friday to be very clear about the situation and my finances. I was armed with statements from all accounts including my joint current account with my husband as I wanted them to know I wasn't hiding anything. To be fair they barely...

Cremeegg that's up my sleeve and ready to rock and roll

Cremegg I deal perfectly well with bullies which is exactly why I am going to the bank on Monday to put it up to him. Yes it's a farce ....but I farce myself and my family are sick of entertaining

Bronte I am focusing on my situation. I'm just playing scenarios out in my head