Hire Purchase Agreements

A HP agreement is a credit agreement. You hire an item (for example, a car, laptop or television) and pay an agreed amount in monthly payments. You do not own the item until you have made the final payment. Personal Contract Plans (PCPs) are a type of hire purchase agreement.”

WHAT YOU SHOULD KNOW:

• Some HP agreements have a balloon payment at the end of the agreement which is normally higher than your usual monthly payments.

• You do not legally own the item until after the final payment is made, but you do have full use of the item throughout the payment period.

• You cannot legally sell the item until the agreement has been paid off.

• If you do not keep up the repayments, the item can be seized.

• You have the right to end the agreement at any time.

You can take out a hire purchase agreement with a bank, building society or finance company. Hire purchase can also be arranged through a retailer. If you take out a HP agreement with a retailer, you should know that the store or garage is not actually providing the loan. It is acting as an agent for a finance company and will earn commission from the finance company for arranging the loan. This is called being a credit intermediary and the agent must be authorised by the Competition and Consumer Protection Commission (CCPC) to do this.

Hire purchase agreements usually last between two and five years. Most HP agreements last three years. You should read a hire purchase contract very carefully before committing yourself to any agreement.

PERSONAL CONTRACT PLANS (PCPS)

This is a specific type of hire purchase agreement offered by car dealers as a way to pay for a car. In a PCP contract, you pay a deposit and continue to make regular instalments, usually over three years. There is usually a large lump sum payment at the end of the contract. At the end of the contract you can either:

Pay the final lump sum and keep the car, or

Return the car to the seller (you can take out a new PCP arrangement on another car)

You do not own the car until the final payment is made. You must stick to certain restrictions on usage and maintenance, such as mileage limits and servicing obligations.

PCPs can seem very attractive because they usually have very low monthly repayments but they can be very complex compared to other types of car finance.

It is important to understand all the terms and conditions before you sign up for a PCP.

Hire Purchase Costs

To calculate the real cost of a hire purchase agreement:

Find the total hire purchase price

Find the price of a cash purchase of the same item

Deduct the cash price (2) from the total hire purchase price (1)

Different lenders have different hire purchase costs. Some will quote an APR (Annual Percentage Rate). This can help you to compare hire purchase costs. It may be misleading to compare a hire purchase APR with that of a normal bank or credit union loan. This is because you are paying for the hire of the goods. Unlike a loan, you do not own them until the last instalment of the HP agreement has been paid.

There is a maximum interest rate of 23% APR for hire purchase agreements since 16 May 2022.

Hire Purchase Charges And Fees

Hire purchase agreements may also involve additional fees and charges. These fees and charges vary, but may include:

• Documentation fees

• Penalty fees for missed or late payments

• Interest surcharge for missed repayments - this means an additional amount of interest will be charged on the amount unpaid

• Completion fee for ownership of the goods to pass to you – sometimes you have to pay a balloon payment much higher than your usual monthly payments

• Repossession charges - you could be charged for repossession costs or for failure to take reasonable care

CAN I END A HP AGREEMENT?

You can end the agreement at any time by giving notice in writing to the owner of the goods (the finance company). This is a legal right under the Consumer Credit Act 1995. You should be aware that breaking a hire purchase contract before its normal end date usually involves penalties.

For more information contact a member of the local Citizens Information team in Kerry on 0818 07 7860. The offices are staffed from Monday to Friday from 10am to 4pm. Alternatively you can email on tralee@citinfo.ie or log on to www.citizensinformation.ie.

ACKNOWLEDGEMENT & 1ST ANNIVERSARY HORGAN

In loving memory of Kathleen (Kay) Horgan (nee Ferris)

Coollegrean Park and Park Road, Killarney

Who died on 2nd April 2022.

As we lovingly remember Kathleen on her First Anniversary, we her daughters and sons and her extended family would like to thank everyone who sympathised and supported us on her passing.

Thank you to our families, neighbours and good friends who called to our home, telephoned, sent text messages and were there to offer us comfort and assistance during this difficult time.

To everyone who helped us in any way over the course of the funeral, thank you for your time and thoughtfulness. We could not have done it without you all.

Thanks to everyone who attended the rosary, requiem mass and burial. To those who sent mass cards, flowers and online condolences, they were very much appreciated by all her family.

Sincere thanks to the doctors, nurses and all the medical and pastoral team who cared for Kathleen in University Hospital Kerry. A special word of thanks to Dr. Margaret Clifford and the medical care team of wonderful nurses, care assistants and doctors of the Palliative Care Unit, Tralee.

We will be forever grateful for the wonderful care that Kathleen received during her time there and for the support and kindness that we, her family were shown.

We would like to thank Hannah Buckley, Public Health Nurse, and to all members of the Home Help Team, who enabled Kathleen to live at home and helped to look after her needs.

To Fr. Jim Lenihan, thank you for your kind words and beautiful mass. We are grateful to all who participated in concelebrating her funeral mass and to everyone who contributed and helped to enrich the ceremony.

Thank you to Michael and Mary O’Shea and staff for their professionalism, guidance and kindness to us. A word of thanks too to those who prepared the grave.

A special thank you to Mary Ferris for her beautiful singing at the graveside, there are no words that can express how much that meant to us.

Finally, thank you to our own families for their unfailing support during the funeral and during the difficult times since the passing of our Mum.

Please accept this acknowledgement as an expression of our deepest gratitude to you all. The Holy Sacrifice of the Mass will be offered for your intentions.

Thank you all for your support and prayers during this difficult time.

Kathleen’s First Anniversary Mass will be held on Sunday 2nd April 2023 at 10.30am. in St. Mary’s Cathedral, Killarney.

1st Anniversary Horgan

In loving memory of My Mother Kathleen Horgan (nee Ferris) Late of Coollegrean Park and Park Road, Killarney

Who passed away on 2nd April 2022.

We lost a Mum with a heart of gold

How much we miss her can never be told Sharing our troubles and helping us along If we follow her footsteps we will never go wrong.

We miss you from your fireside chair

Your loving smile and gentle air Your vacant place no one can fill We miss you Mum and always will.

She was a Mum so very rare Content in her home and always there On earth she toiled, in heaven she rests God bless you Mum You were one of the best.

Missed and remembered everyday by your daughter Gerardine and son-in-law Paddy. xxx

Anniversary Horgan

In loving memory of My Mother Kathleen Horgan (nee Ferris)

Late of Coollegrean Park and Park Road, Killarney

Mam

1st Anniversary

HORGAN

1ST ANNIVERSARY O’BRIEN

In loving memory of My wonderful mother and nana

Kathleen Horgan

Late of Coollegrean Park, Killarney

Who died on 2nd April 2022.

If we could have a lifetime wish And a dream that could come true We would pray to God with all our hearts Just to see and speak to you.

A thousand words won’t bring you back

We know because we’ve tried And neither will a thousand tears We know because we’ve cried.

You’ve left behind our broken hearts And precious memories too But we’ve never wanted memories We only wanted you.

Sadly missed and fondly remembered by your daughter Stephanie, son-in-law Joey and grandchildren Lily & Luke. xxxx

Kathleen’s First Anniversary Mass is on Sunday 2nd April at 10.30am in St Mary’s Cathedral, Killarney.

1st Anniversary

HORGAN

In loving memory of My Mother and grandmother Kathleen Horgan (nee Ferris)

Late of Coollegrean Park and Park Road, Killarney

Who passed away on 2nd April 2022. They say there is a reason They say that time will heal But neither time nor reason Will change the way we feel

We want to tell you something So there won’t be any doubt You’re so wonderful to think about But so hard to be without.

Sadly missed by your loving son Richard, grand daughter Lauren and grandson Matthew. xxx

4TH ANNIVERSARY

DONNELLY

Novena To The Sacred Heart

Dear Heart of Jesus in the past I have asked for many favours. This time I ask you this special one, (mention favour). Take it dear heart of Jesus and place it within your heart where your Father sees it. Then in his merciful eyes it will become your favour not mine. Amen. Say this prayer three times for three days and your favour will be granted. Never known to fail. Must promise publication of prayer. MM

St. Theresa the Little Flower, please pick me a rose from thy heavenly gardens and send it to me with a message of love. Ask God to please grant me the favour I thee implore and tell him I will love him each day more and more. Amen. DG

In loving memory of Michael Donnelly Rockfield

Who passed away on 31st March 2019.

We thought of you today

But that is nothing new

We think of you in silence

We often speak your name

All we have is memories

And your pictures in a frame

Your memory is a keepsake

From which we’ll never part

God has you in his arms

We have you in our hearts.

Loving You Always Forgetting You Never From Dylan & Nicole.

In loving memory of Bartholomew Robin O’Brien 154 Ballyspilane, Killarney, County Kerry Who passed away on 2nd April 2022.

God looked around his garden And found an empty place He then looked down upon the earth And saw your tired face.

He put his arms around you And lifted you to rest God’s garden must be beautiful He always takes the best.

He knew that you were suffering He knew you were in pain He knew that you would never Get well on earth again.

He saw the road was getting rough And the hills were hard to climb So he closed your weary eyelids And whispered ‘Peace be thine’. It broke our hearts to lose you But you didn’t go alone For part of us went with you The day God called you home.

Sadly missed and always remembered by your daughters Melissa, Hazel, Jocelyn and Kym, your son James, daughter-in-law Alana, sons-in-law Ruslan, Bryan, Colm and Phil, grandchildren Ivana, Rose, Alex, Noah, Summer, Anabelle and Callum, sisters Mary, Chris, Margaret and Jane, your brothers, Thomas, Michael, Richard and Johnny.

1st Anniversary Mass will take place on Saturday 1st April at 6:15pm in St Mary’s Cathedral, Killarney.

19th Anniversary Dillane

Treasured memories of A dear brother and uncle John Dillane Late of Glounakeel, Rockchapel Co. Cork and Killarney

Who died on 4th April 2004. R.I.P.

They say there is a reason

They say that time will heal But all the time in this whole world Won’t change the way we feel. For it broke our hearts to lose you

But you did not go alone

For part of us went with you

The day God called you home.

Precious is your memory

Held close within our hearts

Although we cannot see you

We are never far apart

You are missed more than words can say Lovingly remembered every day.

Fondly thought of by your brothers, sisters, brothers-in-law, sisters-in-law, nephews, nieces and cousins.

Anniversary Mass for John and his parents is on Friday 19th May at 8.00pm in St. Peter’s Church, Rockchapel.

4th Anniversary Mccarthy

30th Birthday Remembrance

SHEEHY

In loving memory of Sean McCarthy

Late of Ballyspillane and Killarney

Who passed away on 31st March 2019.

Put your arms around him Lord

And forever keep him safe

For he was a special son And can never be replaced.

Lovingly remembered by Mom x

4th Anniversary Mccarthy

In loving memory of Sean McCarthy

Late of Ballyspillane and Killarney

Who passed away on 31st March 2019.

Our lives go on without you

But nothing is the same

We have to hide our heartache

When someone speaks your name

Sad are the hearts that love you

Silent the tears that fall

Living here without you

Is the hardest part of all.

You did so many things for us

Your heart was kind and true

And when we needed someone

We could always count on you

The special years will not return

When we are all together

But with love in our hearts

You walk with us for ever.

Deeply missed by Dad, Marian, Saoirse, sister Aisling, Caoinlean, Faye and Rowan.

Anniversary Mass will be held for Sean is on Saturday 26th March at 6.15pm. in St. Mary’s Cathedral.

4TH ANNIVERSARY MCCARTHY

In loving memory of Sean McCarthy

Late of Ballyspillane and Killarney

Who passed away on 31st March 2019.

Somewhere beyond the sunset

Where loved ones never die

You sleep in a beautiful garden

Beneath a golden sky.

Though heaven and earth divide us

We are never far apart

For you are always in our thoughts

And always in our hearts.

Always remembered by your sister Sheila, Johann, Cian and family.

Lovingly remembering David Sheehy Rockfield, Faha, Killarney Whose 30th birthday occurs on 28th March.

Always in My Heart

Sometimes in life there are losses

Losses that can never really be replaced

Losing you has been the hardest thing

I’ve ever had to live with I wasn’t ready to say goodbye

I wasn’t ready to let you leave

I would give anything

For just one more day

Just one more second

But I’ve learned to trust in unconditional love

Because the one profound thing about death Is that love never dies.

Some bonds cannot be broken

Because even though you’re not physically here your heart is - it lives on within me

I carry your heart inside mine

I carry It on days when I discover something new I carry It on days when beauty unfolds

In the most unexpected places I carry it on days when I find courage

To heal and to grow

I carry It with me - always

Someday we will meet again And we will no longer be separated By time or space

But until that day

I’ll find comfort In knowing That you are still with me

Your heart safely tucked inside mine

Some hearts just belong together

And nothing will ever change

That I loved you then, I love you now Always did, always will Forever in my mind

Forever In my heart I will carry you.

Missing you on your 30th birthday and every day love Mam, Ellen, Brendy Dan & Brendan xxxx.

18th Anniversary

O’ CONNELL

7TH ANNIVERSARY LEANE (NÉE MCCARTHY)

In loving memory of Rena Leane (née McCarthy) Rockfield House, Tralee Road, Killarney

Who passed away on 9th April 2016.

Those we love remain with us For love itself lives on And cherished memories never fade Because a loved one’s gone.

Those we love can never be More than a thought apart For as long as there is memory

They’ll live on in the heart.

Sadly missed and always loved by your family, Paddy, Mary, Paula, Cormac, Antoinette, Rachel, Pádraig, Ciara, daughters-in-law, sons-in-law and grandchildren.

Anniversary Mass is on Saturday 1st April at 6.15pm in St. Mary’s Cathedral, Killarney.

8TH ANNIVERSARY

MCCARTHY In loving memory of Denis (Denzo) McCarthy

Late of 5 Mangerton View, Killarney

Who died on 31st March 2015.

A life filled with love and laughter

We miss you more than words can say

In our hearts you will always be Loved and remembered every day.

Sadly missed by your wife Eileen, daughter Jo Ann, son Neil, daughter-in-law Theresa and grandsons Collin and Seán.

8TH ANNIVERSARY MCCARTHY In loving memory of Denis (Denzo) McCarthy

5 Mangerton View, Killarney

Who passed away on 31st March 2015.

Time cannot steal the treasures That we carry in our hearts

Nor ever dim the shining thoughts

Birthday Remembrance

MOYNIHAN

In loving memory of My loving husband Dermot Moynihan

Tullig Cottage, Spa, Killarney. Whose birthday occurs on 2nd April.

Those precious memories I have of you Der Will always bring a smile If I could have you back Even for a little while

Then we could walk and talk again Like we used to do And down that path of memories I will travel with you today All my thoughts are with you

As life goes on it’s way I whisper ‘Happy Birthday Der’. Always Loved and never forgotten your loving wife Bridget.

Birthday Remembrance

MOYNIHAN

Birthday Remembrance for Dermot Moynihan

Tullig Cottage, Spa, Killarney. Whose birthday occurs on 2nd April.

Today always meant so much to us Now it brings us tears

We wish that God could have spared you For just a few more years

Our hearts still ache with sadness Our silent tears still flow For what it meant to lose you No one will ever know

But to hear your voice

Or see your smile

Or just to sit and talk Would be our dearest wish On this your Birthday.

Sadly missed and fondly remembered by your loving sons Pat, Sean, Aidan and Noel, Emma, Marian, Marie and Ka, all your grandchildren and your brothers Mike and Pat.

9th Anniversary

In loving memory of Joe O’Connell

Late of 60 Park Drive, Killarney Who died on 4th April 2005.

Let us not look for you only in memory

Where we would grow lonely without you

You would want us to find you in presence beside us

Where beauty brightens

When kindness glows And music echoes eternal tones.

Always loved and special memories of you today your loving wife Frances and children Sarah, Mark and Naomi.

Anniversary Mass is on Saturday 1st April at 6.15pm in St. Mary’s Cathedral, Killarney.

Our cherished past imparts

For the memories of the one we loved Still casts a gentle glow

To grace our days and light our paths Wherever we may go.

Loved and sadly missed by your daughter Linda, son-in-law Brian and grand daughters Clionagh and Chloe.

Dear Heart of Jesus, in the past I have asked You for many favours. This time I ask you this very special one (mention favour). Take it, dear Heart of Jesus and place it within Your own Heart where Your Father sees it. Then, in His merciful eyes it will become Your favour not mine. Amen. Say for three days, promise publication and favour will be granted. MM

O’NEILL

In loving memory of Mary O’Neill

Gortahoonig, Muckross Who passed away on 6th April 2014.

In God’s care you rest above In our hearts you rest with love Never more than a thought away Loved and remembered every day.

Sadly missed and lovingly remembered by all your family.