The White Pages Issue 1

eXpeRT Q&a
ask the
eXpeRT
The Financial Regulator offers free, impartial advice in
plain english to members of the public about personal fi nance
on www.itsyourmoney.ie or by calling 1890 777777.
Q
We booked our
honeymoon to
Thailand ﬁ ve months Q
I have recently gotten engaged
and we have set a date for the
ago for our wedding wedding in 2011. We want to start
next month, only to saving straight away and would like
ﬁ nd out last week that to know what options are available
the tour operator wor we to us with regards to high interest
booked through has savings accounts.
gone into liquidation.
Is our booking still a
When you are looking for an
account, you’ll want to get one that
valid and what are suits you and offers the best possible
our rights with regards rate. With some accounts, the interest
to a refund? you earn depends on the balance in the
a
if you used a credit account and may drop if your balance
card to book your rises above a certain level, so think
holiday, your credit card about the amount you intend to save.
provider may agree to another thing to consider is whether
reverse the transaction. you will need regular access to your
This is called a money, or maybe want to take a
chargeback. you should payment break due to unforeseen
write to your credit card provider to confi rm your request for expenses. Be aware that the number of
the chargeback enclosing proof of purchase (if any) and seeking withdrawals and lodgements you make
refund of the money to your credit card. if they do not agree may affect the interest you earn.
to the chargeback, you can make a complaint to the Financial Check the regular savings account cost
services Ombudsman. comparison on www.itsyourmoney.ie to
The Commission for aviation Regulation provides information see the rates and features available from
and assistance in relation to tour operator or travel agent collapses. the main providers in the market.
Q
How should I go about and try to borrow the money
securing a loan to pay for over the shortest possible
my wedding and what kind of time (depending on what you
repayment structure is available? can afford), as the quicker you
a
log on to the personal pay back your loan the less
loan cost comparison on interest you will pay. Variable
itsyourmoney.ie to check the rate loans are more fl exible,
rates available. There is also a and you can usually make
loan calculator where you can extra payments, whereas a
check what the repayments would fi xed rate offers more
be on loans of different amounts certainty but less scope if you
and terms. look at the overall want to extend or speed up
cost over the full term of the loan your repayments.
68 The WhiTe pages
TWP_43-86-EM 2.indd 68 28/07/2009 15:58:24
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