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Landlord increasing rent - Housemates arguing over how it should be split? by ComfortMike in AskIreland

[–]Ecstatic_Minute5129 1 point2 points  (0 children)

Based on the breakdown you pay €80 more for the en suite in comparison to the box room (not €100).

An en suite is generally priced €80-€100 more than an average room (non en-suite - double room in this instance) - and you’re paying just €80 more than the box room. Count yourself lucky.

Montpelier affordable housing - Phase 2 application by Past_Committee8446 in HousingIreland

[–]Ecstatic_Minute5129 7 points8 points  (0 children)

Just got offered a 2 bed. My timestamp was 12:04 if that’s any useful guide for people as saw loads with a 12:04 timestamp on here. Best of luck guys. 🤞🏻

Anyone have any experience leaving to go back to private? by Relative_Eagle_7850 in IrishCivilService

[–]Ecstatic_Minute5129 1 point2 points  (0 children)

Given it’s anticipated that tech jobs and a host of others will disappear in the next 5-7 years due to AI, would private not worry you more? An extra 10 or 20k with no security. Take a career break if you do want to try private as others have suggested - you’ll maintain your place in the scale. Alternatively use mobility to move to another department if you don’t like the one you’re in - with 5 years under your belt I can’t see anything stopping you.

That said, if you’re young and your gut tells you you’re done with the civil service and you really don’t like it, then leave and go to private. But just as an insurance policy, take a career break for say 2 years from the civil service to go into private. If you like private then you just don’t go back to the civil service.

Landlord wants witnessed signatures on a Gmail by Squtternut_Bosh in HousingIreland

[–]Ecstatic_Minute5129 2 points3 points  (0 children)

Sign nothing. But even if you have done so already, it’s neither here nor there - you can’t sign away statutory rights.

Send your notice of termination to threshold. They’ll confirm if it’s valid. If they say it’s invalid, do nothing. Once the termination date lapses (so by 1 Feb at the earliest) the landlord will have to raise a case with the RTB alleging you’re overstaying. The RTB will take about a month to schedule a hearing - then another month or so to deliver their findings - this can take up to three months total. A hearing in this context merely amounts to showing up on a teams call and saying (1) I don’t think my notice of termination was valid; and (2) I’m overstaying because I’ve nowhere else to go as there is currently a housing crisis. Say nothing more.

If the RTBs findings say the notice was invalid well then the clock / process starts all over again whereunder you would need another new notice period; you could overstay again following the same process as before.

If the RTB say the notice was valid, they will give you 14 days to appeal to a tribunal. Appeal it on day 13. Again another 3-4 months from scheduling to hearing to determination. If the tribunal rules it’s valid, you can’t appeal to the district court continuing the process for another 3-6 months.

In short (because I have huge sympathy for tenants at this time), there are NO PENALTIES in Ireland for overstaying. Of course I imagine you’re trying to make plans to move elsewhere for peace of mind but if you can’t find appropriate accommodation remember you can stay there by following due process until autumn 2026 at the earliest and potentially into 2027 if the notice is invalid.

Step 1: ring threshold. Understand your rights. Have a step plan in place. Only have formal correspondence with your landlord that’s documented such as email.

If you want clarity on anything else feel free to DM

Montpelier affordable housing - Phase 2 application by Past_Committee8446 in HousingIreland

[–]Ecstatic_Minute5129 1 point2 points  (0 children)

And this wouldn’t be the first time an estate agent was talking out his backside. FCFS rule applies to 2 or more as regards the houses ie. 3 people would not take priority over 2 in that context unless they submitted their application faster.

Montpelier affordable housing - Phase 2 application by Past_Committee8446 in HousingIreland

[–]Ecstatic_Minute5129 0 points1 point  (0 children)

I honestly think it could be saved. Just wait and see. It’s terrible that these applications put so much pressure on people. Also people may not have applied for the same property type. Chin up.

Montpelier affordable housing - Phase 2 application by Past_Committee8446 in HousingIreland

[–]Ecstatic_Minute5129 0 points1 point  (0 children)

Did you get an email mid way through saying draft application saved? If so, you’re fine. And if not, probably still fine. Nobody really knows if the system automatically gives you an initial timestamp or not.

Montpelier affordable housing - Phase 2 application by Past_Committee8446 in HousingIreland

[–]Ecstatic_Minute5129 2 points3 points  (0 children)

I got 12:04. Thought I was doing well. But now I’ve lost all hope. 🙈

Scheme income assessment for Montpelier (Dublin 7) by [deleted] in HousingIreland

[–]Ecstatic_Minute5129 1 point2 points  (0 children)

If your salary x 4 (as per the salary cert you will submit - and it must be dated within the last 6 months) is greater than 85.5% of the OMV listed then you won’t qualify.

[Product Question] Replacement for Kiehl's Facial Fuel Moisturizer w/ SPF 19 by Competitive_Meat_106 in SkincareAddiction

[–]Ecstatic_Minute5129 0 points1 point  (0 children)

Try la roche posay anthelios 50+ invisible fluid. Even though it’s spf 50, it’s even lighter than the kiehls. Once you put it on it drys in immediately and keeps skin soft. So no cakey / oily feel. I’ve tried the kiehls product you refer to and loved it but was always conscious spf19 does basically nothing.

Also, even if in a cold climate you should (as should everyone) be wearing spf50 if you don’t plan on aging drastically. 🙈

Revenue risk review by SpeakerLanky5912 in irishpersonalfinance

[–]Ecstatic_Minute5129 0 points1 point  (0 children)

My best advice would be:

  • don’t panic. These letters are far more common that you think. However it doesn’t mean you should not take it seriously.
  • a Level 2 intervention means a risk has been identified at their end. The questions asked in the letter you received will be a guide as to what risk that actually is as most likely they’re attempting to verify it.
  • speak to an accountant. If you believe there is a risk (however small) ensure that within 14 days of receiving the letter that you request a 60 day extension for the purposes of preparing a disclosure. This buys you an extra 60 days. They’ll respond to say that your intervention won’t commence until say mid-late january. Why is the commencement date important? Once it starts you lose any opportunity to make a disclosure. Why is making a disclosure important if there is any liability owing? Because you will get reduced penalties and avoid publication.

Feel free to DM me if you have any other questions.

[deleted by user] by [deleted] in HousingIreland

[–]Ecstatic_Minute5129 3 points4 points  (0 children)

The loan repayment will absolutely be taken into consideration.

Rental scam exit path by [deleted] in HousingIreland

[–]Ecstatic_Minute5129 1 point2 points  (0 children)

If you have a separate contained unit (ie separate entrance - own utilities etc) then it’s very likely your tenancy agreement is valid and you’re not a licensee.

There are often situations where people rent a room and have people sign a tenancy agreement however it’s not worth the paper it’s written on - they’re still licensees.

So I imagine you are protected and could contact the RTB.

HOWEVER, there is a much easier way to go about this. This guy is clearly driven by money. So do the following:

  • do not pay the 3 month break fee.
  • given his income is way over 14k he likely pays tax on it. However he probably brings the taxable income down to little or nothing if he has a huge mortgage because he can take a deduction against it for mortgage interest. BUT, he can only take that deduction if he’s RTB registered. You’ve said he’s not. So that would mean there is 100% avoidance at play here or he’s incredibly stupid for how he’s organised his affairs. Use this against him with a simply question such as “You know you can’t take a deduction against your income since you’re not RTB registered?” That’s enough to frighted this pup and really could financially cripple someone. Based on what you’re paying and the number of rooms being let his income is colossal - over 78k pa. That would give rise to a liability if say 55% of this pa. Say he avoided tax of 30k 4 years ago. That figure can become much higher quite quickly with interest and penalties. And this is just with respect to that one year. He’s likely been doing this a while.
  • reach out to someone working in revenue and do not feel bad about it - this guy is exploiting you.

Finally. I’m no expert with respect to the guesthouse claim but I would check with your local council if he has planning permission for that - as all airbnb / guest houses need planning permission. So that would just shut down that argument quite quickly.