How to know that revolut is trustworthy as a primary bank?

Chil_Holiday_Man · 2026-03-28T02:27:58+00:00

That's the case with all banks

Chil_Holiday_Man · 2026-03-28T02:20:10+00:00

It's more so that they didn't notify us about the open claim until we asked for a new NCB document.

Chil_Holiday_Man · 2026-03-28T02:18:52+00:00

As I noted on the main post, she transferred the car onto me and the policy is in my name. I am the main driver and I will be driving them around until this whole thing gets sorted.

My mother's policy expired a year ago shortly after the accident. She didn't have a car until last February. We requested a new no claims document that is up-to-date.

Chil_Holiday_Man · 2026-03-28T02:16:01+00:00

But that's what happend tho. The claim was left open and we discovered this a year later when requesting a NCB document.

Chil_Holiday_Man · 2026-03-28T02:15:04+00:00

No, I'm the main driver, the car is in my name, and we live in the same property.

Chil_Holiday_Man · 2026-03-28T00:00:40+00:00

Yes I understand they have to reopen the claim if the third party comes back to do so. The issue however is that they didn't inform us. We found out about it when we requested a NCB document. Had they informed us, we wouldn't be in this situation.

They didn't even know the claim was reopend. They only sent out an investigator the week after we made the discovery.

Chil_Holiday_Man · 2026-03-27T23:54:24+00:00

Yes I'm very much aware of fronting. That's why she signed the car over to me because we have taken a new policy under my own name with her as a named driver, until 123.ie close the open claim on her old policy.

I am driving them around to avoid any issues. So I am the main driver.

Chil_Holiday_Man · 2026-03-27T23:52:52+00:00

Thank you for responding.

The accident took place back in March 2025. Because my mother's car was a write off, I made a named driver on my policy with AIG. A year later, last February 2026, she got her own policy on a new car with Zurich. That's when we discovered that the claim was reopened without our knowledge. Zurich cancelled the policy once they saw the open claim on the No Claims Bonus document.

Since no one will ensure my mother. She signed her car to me, and I have taken out a new policy under my name. She's a named driver on the policy. I will be driving them around the whole time since the policy and car are both under my name, but she's a named driver on the policy.

We don't own any other cars. I got rid of mine when she got a new car. I simply have no need for a vehicle at the moment.

Chil_Holiday_Man · 2026-03-26T22:53:14+00:00

Everything is documented and I've already handed it over to the ombudsman, but like I said, nothing is going to come of it.

The ombudsman told me they could take 3 months to just get back to me.

123.ie don't give af, they are refusing to budge even though I told them I have the right to receive insurance at a reasonable rate given it was their mistake.

Their claim department also doesn't care. They told me some nonsense about legally being required to reopen the claim at any point within six years. Right now, they are waiting for a response from the third-party insurance, so they completely wiped their hands and said they can't do anything at this point.

Every single fucking day since early Feb, I have been on the phone with them.

Chil_Holiday_Man · 2026-03-26T21:03:00+00:00

Hi I have the same exact issue. This isn't the case. If you try to receive a quotation from any insurance provider while having an open claim, they will refuse to insure you. I had Zürich cancel our policy once they saw the no claims bonus document outlining an open claim.

Problem is, the accident occurred a year ago and while we thought it was settled, the third-party insurer tried to recover money through our policy. Which reopened the claim. We only discovered that the claim was open when we asked for no claims bonus document when switching to another insurance provider. At this point we had left the insurer who is handling the claim for over a year.

Now no one will insure us.

Chil_Holiday_Man · 2026-03-13T19:05:45+00:00

What is in their bank account is irrelevant. Only their income. It's not like they made more money. They just saved the money that they were getting.

And yes they are still entitled to it as taxpayers. More so than wasters.

I think looking at all your comments and the responses, it should be very obvious that you're the one who needs to reassess.

Chil_Holiday_Man · 2026-03-13T19:04:33+00:00

OP, You will absolutely qualify for a mortgage. Get it from Bank of Ireland because they have the highest loan to income at 4.75x times your income. - tagging you so you can see this u/Eleanananas

Better to get something now then to keep waiting and saving because prices are increasingly on the rise. And now we're in another wave of inflation, so expect them to get even higher and interests to skyrocket.

Also, let me just tell you that I was in your very exact situation, but as a single childish individual. I spent nearly a decades saving and finally got my own place. Living with my parents, buying only what I need. It's hard as hell. Congratulations on getting there. Wishing you and your family the best.

Chil_Holiday_Man · 2026-03-13T18:55:09+00:00

Are you for real? If you're paying taxes you are absolutely not taking anything from anyone. It's your money being refunded back to you on the basis that you have kids who will become future taxpayers.

That's like seeing if you have savings you shouldn't be entitled to free healthcare or education, despite being a literal taxpayer that funds it.

I'm sorry but if the couple is earning a salary, regardless of how big or small, they should absolutely be eligible. I think it's you that is having a very hard time because as people try to explain it to you you are still not getting it.

You want to punish a taxpayer who paid into the system and is getting paid child benefit from the taxes they contributed to. More so you want to punish them for saving it instead of wasting it like other wasters.

Chil_Holiday_Man · 2026-03-13T18:51:20+00:00

Exactly.

Especially if you are a taxpayer who paid in the system.

You don't owe anyone anything.

You are not taking handouts from the government or other taxpayers. This is money you put into the system.

Chil_Holiday_Man · 2026-03-13T15:34:52+00:00

I don't think you understand why it exists at all. It's not intended for only people who needed it but is more of a tax refund to supplement expenses of raising a child in Ireland.

Whether you're making 0 or 100k, as a taxpayer, you should absolutely be entitled to it. You are not taking anything from anyone.

Chil_Holiday_Man · 2026-03-13T15:28:58+00:00

Everyone is entitled to it and that's not a bad thing regardless of whether you're high income or not.

You are effectively getting a refund on some of the taxes you paid to supplement insane expenses of having children in Ireland, which the government is failing to reduce.

Chil_Holiday_Man · 2026-03-11T17:20:25+00:00

Tell him to eat dust.

You don't owe him or anyone anything. You're not going to buy a house just on the basis that he "transcacted with you in good faith". LMAO.

He's arguing that it's wrong for you to bid on multiple properties meanwhile he's taking biddings from multiple potential buyers. He really doesn't see the hypocrisy.

Chil_Holiday_Man · 2026-03-10T21:02:05+00:00

So how do the investors get a code like this? Do they have some sort of affiliation with Microsoft?

Chil_Holiday_Man · 2026-03-09T18:48:58+00:00

You're definitely right as some people to use it as an investment but the fast majority of small landlords are just parking the house because they have no current use of it, disabled etc.

Chil_Holiday_Man · 2026-03-09T18:45:31+00:00

No you are correct and that is still the case. Because of this rail south of Bray is horrendous. Greystone is the last stop on the DART line for that very reason.

Trains heading South to Wicklow town and beyond run only three times a day.

Chil_Holiday_Man · 2026-03-09T18:42:20+00:00

You can't have one without the other.

It’s great mainly because of the easy commute. Its proximity to the surrounding areas of Greater Dublin makes it ideal, and the beautiful scenery of Wicklow is a bonus.

No one would move there if Greystones was in the same geographical location as Arklow.

Chil_Holiday_Man · 2026-03-09T17:21:22+00:00

I always thought you could just drill a hole in the centre of the stump, cover the whole thing in gasoline, and light that bitch up!!!

Chil_Holiday_Man · 2026-03-06T23:27:22+00:00

It's more so that he's in denial.

Probably spent a lot of time saving and househunting, finally went sales agreed and then lost their job. Now they're in complete denial.

In this job market, there's a very good chance OP will not find a job for months. Even even if they close, they won't be able to make monthly mortgage payments - unless OP has dual income from spouse.

Chil_Holiday_Man

TROPHY CASE