Financial Advice Blog

Stay up to date with the latest Financial Advice news and views. We’ll help you learn about managing your debts

Personal Guarantees

Personal Guarantees

A Personal Guarantee is what it says on the tin; a ‘personal guarantee’. If you run a company and it is registered as a limited company; and if it borrows money or obtains credit from a creditor, the creditor will protect itself by asking the directors to give...

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Building Society – Home Loan Finance

Building Society – Home Loan Finance

What to do about financing home purchase? For First Time Buyers, buying a first home is a daunting task! Where do you start? Probably scanning estate agents websites, a big improvement on 40 years ago, when buyers had to go from estate agent to estate agent on foot,...

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Judgements

Judgements with an applicable 8% interest rate, is that a RIP off rate? When a creditor fails to get paid by a debtor, he has two choices. Write it off or obtain a Judgement against the debtor. Statistically many judgements are granted because a debtor fails to enter...

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New Company Legislation

New Company Legislation

Will this piece of new legislation provide any benefits to those for whom it concerns? In a word, ‘YES’. Like all legislation, it is not easy to read and for most people more difficult to understand than it should be, but then it is legal language. I attended a...

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Think about your Outgoings!

Think about your Outgoings!

One of the major steps that we take when speaking to new clients, is discussing how much of the monthly expenses is truly necessary. How much money are you spending on things you really don't need? How often do you watch the programmes on your expensive Sky TV...

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Non-Cooperating Borrowers

Non-Cooperating Borrowers

Excerpt taken from the Code of Conduct on Mortgage Arrears from 2013:   A borrower can only be considered as not co-operating with the lender when:   1. any of the following apply to his/her particular case: a) the borrower fails to make a full and honest...

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First post to the Blog!

Hi All. This is our first entry into the new Negotiators blog. From here, we will build a regular commentary on the personal finance market in Ireland as we see it, calling on anyone in debt, or anyone in any financial difficulty to come forward and meet with us to...

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Stay up to date with the latest Financial Advice news and views. We’ll help you learn about how a Debt Management Firm can help

Debt Settlement Arrangement (DSA)

This is for distressed debtors with unlimited unsecured debts, such as bank personal loans, credit card debts and credit union loans. We negotiate a DSA for our clients that involves a repayment plan, followed by a debt write-off.

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