What's New

Extension of Housing Assistance Payment

The Housing Assistance Payment (HAP) is a form of housing support for people with a long-term housing need. It is administered by local authorities and is being gradually introduced to replace long-term Rent Supplement.

Since 1 December 2016, HAP is available in 9 further counties – Cavan, Kerry, Laois, Leitrim, Longford, Roscommon, Westmeath, Wexford and Wicklow.

Read more about HAP.

Know your rights: Replacing lead pipes // Píobáin luaidhe a ionadú

Question

We think that the water pipes in our house are made of lead and pose a risk to our health. We can’t afford to spend a lot on replacing them. Can we get a grant?

Answer  (October 2016)

The local authorities administer a means-tested grant scheme to help low-income households with the cost of replacing lead pipes and fittings.

You will need to provide evidence of your household’s income when applying to the local authority for the grant.

  • If your income is below €50,000 a year, you may get a grant of up to 80% of the cost, up to a maximum of €4,000
  • If your income is between €50,001 and €75,000, you may get up to 50%, up to a maximum of €2,500

You must own the dwelling and live in it as your principal private residence (your main home). You must get the remedial work done before applying for the grant.

The contractor who does the work must give you the following: a current tax clearance certificate; itemised receipts; written confirmation that materials used are of appropriate quality and written confirmation that a proper standard of workmanship has been applied.

You must also get evidence of a risk of lead contamination in your home. This can either be:

  • A letter from your water supplier, advising that your water system is likely to contain lead pipes and fittings, or
  • A certificate from an accredited laboratory, showing that the amount of lead in your water supply is over the statutory limit

You will need to enclose all these documents with your grant application.

Read more on housing.gov.ie.

Ceist

Ceapaimid go bhfuil na píobáin uisce inár dteach déanta de luaidhe agus go gcruthaíonn siad baol dár sláinte. Níl sé d’acmhainn agat go leor airgid a chaitheamh ar na píobáin a ionadú. An féidir linn deontas a fháil?

Freagra

Riarann na húdaráis áitiúla scéim deontais ar a ndéantar tástáil mhaoine chun cabhrú le teaghlaigh ísealioncaim íoc as an gcostas a bhíonn ar phíobáin agus feistis a ionadú.

Beidh ort fianaise a sholáthar i leith ioncam do theaghlaigh nuair a dhéanann tú iarratas ar an údarás áitiúil don deontas.

  • Má tá d’ioncam faoi bhun €50,000 sa bhliain, féadfaidh tú deontas a fháil a mhéid le 80% den chostas, a mhéid le €4,000
  • Má tá d’ioncam idir €50,001 agus €75,000 sa bhliain, féadfaidh tú deontas a fháil a mhéid le 50% den chostas, a mhéid le €2,500

Ní mór go bhfuil an áit chónaithe faoi d’úinéireacht agus caithfidh tú cónaí ann mar d’áit chónaithe phríomha (do phríomhtheach cónaithe). Ní mór go ndéantar an obair dheisiúcháin sula ndéanann tú iarratas ar an deontas.

Caithfidh an conraitheoir a dhéanann an obair an méid a leanas a thabhairt duit: deimhniú imréitigh cánach reatha; fáltais miondealaithe; deimhniú scríofa go mbaineann na hábhair a úsáidtear an cháilíocht chuí amach agus deimhniú scríofa gur cuireadh caighdeán cuí saoirseachta i bhfeidhm.

Caithfidh tú fianaise a fháil, chomh maith, i leith riosca i leith éilliú luaidhe i do theach. D’fhéadfadh an méid a leanas a bheith i gceist leis seo:

  • Litir ó do sholáthraí uisce a chuireann in iúl gur dóchúil go gcuimsítear i do chóras uisce píobáin agus feistis luaidhe, nó
  • Deimhniú ó shaotharlann chreidiúnaithe a thaispeánann go bhfuil an méid luaidhe i do sholáthar uisce os cionn na teorann reachtúla

Beidh ort na deimhnithe uile seo a chur faoi iamh le d’iarratas ar an deontas.

Féadfaidh tú tuilleadh a léamh faoi ar housing.gov.ie.

Know your rights: Reserving a car registration number // Cláruimhir ghluaisteáin a chur in áirithe

Question

How do I reserve a particular registration number for a new 2017 car?

Answer (November 2016)

You can only apply to reserve a vehicle registration number on or after 1 November of the year before you intend to bring the vehicle into use. In other words, to use the number in 2017 you can only apply to reserve a number from 1 November 2016 until Revenue’s close of business at the end of 2017. An application received prior to 1 November 2016 will be returned un-processed.

The number you reserve must be in the normal format and must correspond with the licensing authority area where you normally reside. It must also correspond with the year and half year in which the vehicle is to be first brought into use. For example, 172-D-111 may only be reserved by someone living in Dublin for a vehicle intended to be brought into use in the second half of 2017.

The registered owner of the vehicle on which the registration number is to be displayed must be the person in whose name the number was reserved.

All registration numbers are available for reservation, with the exception of the first number of each half year issued in the following cities Cork, Dublin, Limerick and Waterford. These numbers are, for example, 171-C-1, 172-C-1, 171-L-1, 172-L-1. They are reserved for the Mayor or Lord Mayor of each of these cities and are not available for reservation by anyone else.

A reserved registration number can only be assigned to a vehicle when it has been reached in the normal sequence. It may not be displayed on a vehicle before it has been formally assigned by Revenue, following the presentation and acceptance of a completed declaration for registration.

The fee to reserve a vehicle registration number is €1,000 and should be submitted with the application. The cheque, bank draft or postal order should be made payable to the Collector, Customs and Excise. You apply on Form VRT15A to the Office of the Revenue Commissioners, Registration Section, Central Vehicle Office, Rosslare Harbour, Co. Wexford.

Ceist

Conas a chuirim cláruimhir ar leith do ghluaisteán nua 2017 in áirithe?

Freagra

Ní féidir leat iarratas a dhéanamh chun cláruimhir feithicle a chur in áirithe ach an 1 Samhain, nó ina dhiaidh sin, sa bhliain sula mbeartaíonn tú úsáid a bhaint as an bhfeithicil. I bhfriotal eile, chun an uimhir a úsáid in 2017, ní féidir leat iarratas a dhéanamh chun uimhir a chur in áirithe ach ón 1 Samhain 2016 go dtí scor gnó na gCoimisinéirí Ioncaim ag deireadh 2017. Seolfar iarratas a fhaightear roimh an 1 Samhain 2016 agus ní phróiseálfar é.

Caithfidh an uimhir a chuireann tú in áirithe a bheith sa ghnáthfhormáid agus caithfidh sé comhfhreagairt do limistéar an údaráis cheadúnaithe ina ngnáthchónaíonn tú. Chomh maith leis sin, caithfidh an uimhir comhfhreagairt don bhliain agus don leathbhliain ina mbainfear úsáid as an bhfeithicil den chéad uair. Mar shampla, ní féidir ach le duine a chónaíonn i mBaile Átha Cliath 172-D-111 a chur in áirithe d’fheithicil a bheartaítear úsáid a bhaint aisti sa dara leath in 2017.

Ní mór gurb ionann úinéir cláraithe na feithicle ar a bhfuil an chláruimhir le taispeáint agus an duine ar cuireadh an uimhir in áirithe faoina n-ainm.

Tá gach cláruimhir ar fáil lena gcur in áirithe, seachas an chéad uimhir i ngach leathbhliain a eisítear sna cathracha a leanas: Corcaigh, Baile Átha Cliath, Luimneach agus Port Láirge. Is iad na huimhreacha seo, mar shampla, 171-C-1, 172-C-1, 171-L-1, 172-L-1. Cuirtear in áirithe iad siúd do Mhéara nó d’Ard-Mhéara na gcathracha seo agus níl siad ar fáil lena gcur in áirithe ag duine ar bith eile.

Ní féidir cláruimhir a cuireadh in áirithe a shannadh d’fheithicil ach nuair a baineadh an uimhir sin amach sa ghnáthsheicheamh. Ní féidir an uimhir a thaispeáint ar fheithicil sular shann na Coimisinéirí Ioncaim í go foirmiúil, i ndiaidh dearbhú um chlárú comhlánaithe a sholáthar agus i ndiaidh gur glacadh leis.

Is í an táille chun cláruimhir feithicle a chur in áirithe €1,000 agus ba cheart í a sheoladh ar aghaidh leis an iarratas. Ba cheart an seic, dréacht bainc nó an t-ordú poist a bheith iníoctha leis an mBailitheoir, Custaim agus Mál.  Féadfaidh tú iarratas a dhéanamh ar Fhoirm VRT15A le hOifig na gCoimisinéirí Ioncaim, an Rannóg Clárúcháin, an Lár-Oifig Feithiclí, Calafort Ros Láir, Contae Loch Garman.

Know your rights: Help for people in mortgage arrears // Cabhair do dhaoine ag a bhfuil riaráistí morgáiste

Question

We have not been able to manage our mortgage repayments and other loans for a long time. The bank keeps sending us legal-looking letters and at this stage we can’t bear to open them. Is there anyone who can help?

Answer (November 2016)

Yes, there is a new scheme of aid and advice for borrowers in home mortgage arrears. This scheme is part of Abhaile, the national Mortgage Arrears Resolution Service. It provides a range of services to help you to deal with your situation, including financial advice, legal advice and insolvency advice.

Panels of qualified and regulated professionals have been set up to provide services under the scheme. It is co-ordinated by the Department of Justice and Equality and the Department of Social Protection and is operated by the Money Advice and Budgeting Service (MABS) in conjunction with the Insolvency Service of Ireland (ISI), the Legal Aid Board and the Citizens Information Board.

You will qualify for advice and assistance under the scheme if:

  • You are insolvent – this means that you are unable to pay your debts in full as they fall due and
  • You are in mortgage arrears on your home and
  • You are at risk of losing your home (for example, if your mortgage lender has initiated repossession proceedings or indicated that they plan to do so; if they have said that they consider you to be non-cooperating; or if they have asked you to consider selling or surrendering your home) and
  • The costs of staying in your home are proportionate to your reasonable accommodation needs

To access the scheme, you can ring the MABS Helpline: 0761 07 2000 (9am – 8pm, Monday – Friday) or contact your local MABS office.

Read more about the Scheme of Aid and Advice on Home Mortgage Arrears on justice.ie and on backontrack.ie.

Ceist

Níorbh fhéidir linn ár n-aisíocaíochtaí morgáiste agus iasachtaí eile a bhainistiú le fada an lá. Leanann an banc le litreacha a sheoladh chugainn de chineál dlíthiúil agus ag an bpointe seo, tá faitíos orainn iad a oscailt. An bhfuil duine ar bith ann atá in ann cabhrú linn?

Freagra

Tá, tá scéim nua cúnaimh agus comhairle ann d’iasachtaithe a bhfuil riaráistí morgáiste acu. Tá an Scéim mar chuid de Abhaile, an tSeirbhís náisiúnta Réitigh Riaráistí Morgáiste. Soláthraíonn sí réimse seirbhísí chun cabhrú leat déileáil le do chás, comhairle airgeadais, comhairle dlí agus comhairle dócmhainneachta ina measc.

Socraíodh painéil de ghairmithe cáilithe agus rialaithe chun seirbhísí a sholáthar faoin Scéim.  Déanann an Roinn Dlí agus Cirt agus Comhionannais agus an Roinn Coimirce Sóisialaí í a chomhordú agus oibríonn an tSeirbhís Bhuiséadta agus Chomhairle Airgid (an SBCA) í i gcomhar le Seirbhís Dócmhainneachta na hÉireann (SDÉ), an Bord um Chúnamh Dlíthiúil agus an Bord um Fhaisnéis do Shaoránaigh.

Cáileoidh tú do chomhairle agus cúnamh a fháil faoin Scéim sna cásanna a leanas:

  • Tá tú dócmhainneach – ciallaíonn seo nach bhfuil ar do chumas d’fhiachas ina iomláine a íoc faoi mar a bhíonn siad le híoc, agus
  • Tá riaráistí morgáiste agat ar do theach, agus
  • Tá tú i mbaol do theach a chailleadh (mar shampla, má chuir d’iasachtóir morgáiste tús le himeachtaí athshealbhaithe nó má thug siad le fios go mbeartaíonn siad amhlaidh a dhéanamh; má dúirt siad go measann siad nach bhfuil tú ag comhoibriú; nó má d’iarr siad ort machnamh a dhéanamh ar do theach a dhíol nó a thabhairt suas), agus
  • Tá na costais a bhíonn ar fhanacht i do theach i gcomhréir le do riachtanais réasúnta chóiríochta

Chun rochtain a fháil ar an scéim, féadfaidh tú glao ar Líne Chabhrach an SBCA: 0761 07 2000 (9am – 8pm, ó Luan go hAoine) nó déan teagmháil le hoifig áitiúil an SBCA.

Is féidir leat níos mó a léamh faoin Scéim Cúnaimh agus Comhairle ar Riaráistí Morgáiste Tí ar justice.ie agus ar backontrack.ie.

Check the draft Register of Electors

The list of voters for an area is called the Register of Electors.

A new draft Register of Electors is compiled each year. If you need to add your name or change your entry in the draft Register, you can do this up to 25 November each year.

The draft Register is currently available for checking at a number of public offices and at www.checktheregister.ie.

Find out more on the website of the Department of Housing, Planning, Community and Local Government.

 

Paying tax under the self-assessment system

In 2016, if you file your tax return online using the Revenue Online Service (ROS), the due date is extended to 10 November 2016. To avail of this extended deadline, you must file the 2015 Form 11 return and make the appropriate payment through ROS for:

  1. Preliminary Tax for 2016, and
  2. Income Tax balance due for 2015

Where only one of these actions is completed through ROS, the extension does not apply and the required date to submit returns and payments is 31 October 2016.

You can find more information about completing your income tax return on the Revenue website.