Information Booklet for Students going on to Further Education in 2013. WHAT NEXT? Introduction Over the last number of years Co. Louth Citizens Information Service received queries looking for information on Education Grants and what other supports are available to students when they go on to college. This book also contains information on Banking, Accommodation, Employment Rights and Consumer Rights. This booklet has been compiled by Co. Louth Citizens Information Service in response to queries we receive in relation to grants and supports available to students going on to further education. This book seeks to provide a comprehensive information resource for college students and their parents. County Louth Citizens Information Service. Telephone Dundalk 0761 07 5950 Drogheda 0761 07 5940 National Phone Service 0761 07 4000 Funded and supported by the Citizens Information Board. 1 Contents: Grants available for students 4 How to open a bank account 14 Renting 18 F.A.Q.’s Money Health Consumer Employment 23 26 27 30 Information Leaflets 35 Useful web sites 36 2 Student Universal Support Ireland (SUSI) Apply on-line through www.studentfinance.ie Before going on-line you MUST have the following details: E-mail address – this is vital as all queries and tracking of applications will use this as your reference Own PPS No. Parent(s) PPS No(s) Household Income Figures Requests for P21 from revenue and Social Welfare Statement (if required) should be done on line to speed up process. 3 Available 9.00am – 8.00 Mon/Fri Available 10.00am – 1.00pm Saturdays Email: [email protected] Telephone: 0761 08 7874 Facebook.com/susisupport Grants available for students applying to college in 2013 The Student Maintenance Grant is a means tested grant for students. All new applications must now be done online to a single awarding authority, Student Universal Support Ireland (SUSI) through www.studentfinance.ie Note: Applications for grants for the 2013/14 academic year will open in mid-May, a month earlier than usual. So even though Leaving Cert students won’t have sat their exams by then, college hopefuls are encouraged to start the process as early as possible. A maintenance grant is a contribution towards the student’s living costs. In general, if you qualify for a maintenance grant you will qualify for all elements of the fee grant. Your college fees will be paid directly to the college. Students doing Post-Leaving Certificate (PLC) courses do not get fee grants, but if you qualify for a maintenance grant you will be exempt from the PLC participant contribution. For the PLC scheme, you must be aged at least 16 years at the time of entry to an approved course. For the higher education schemes, you must be aged at least 17 years of age on 1 January 2012. 4 To qualify for a maintenance grant, you must fulfill the conditions of the scheme as regards: Nationality and immigration status Residence Means You must also be attending an approved course in an approved institution Nationality and immigration status In order to get a student grant you must satisfy one of the following conditions: 1. Be a national of an EU member state or an EEA member state or Switzerland 2. Be a family member of one of the above, with permission to remain in the State as a family member of such person under the European Communities (Free Movement of Persons) Regulations 2006 and 2008 and EU Treaty rights provisions 3. Have refugee status 4. Have been granted humanitarian leave to remain in the State (foreign nationals granted leave to remain under the Irish Born Child scheme - IBC/05 are not eligible) 5. Be eligible for subsidiary protection or have been granted leave to remain under the European Communities (Eligibility for Protection) Regulations 2006. 6. Have permission to remain following a determination not to make a deportation order 5 7. Have permission to remain in the State by virtue of marriage to, or civil partnership with, an Irish national living here or be the dependent child of a person with such permission Residence Since the academic year 2011-2012, you must have been legally resident in the State for 3 of the previous 5 years to qualify for a maintenance grant. However, if you are studying elsewhere in the EU for a recognised qualification, and you were resident in the State for 3 of the 5 years before starting that course, you satisfy this requirement. Means test If you were ordinarily resident with your parents from October 1 of the year before the year of entry to the course, you are considered dependent on your parents and your income (if any) is assessed together with your parents' income(s). An allowance is made for your earnings outside of term-time – up to €3,809 currently. Therefore, a student applying for a grant in 20132014 is means tested based on their family's income for the previous full tax year i.e. 2012. However, if you or your family have had a change of circumstances (which is likely to be permanent) since 31 December 2012, your changed circumstances may be taken into account. 6 Some social welfare payments are excluded from 'reckonable income' for the purposes of student grants - see more details on reckonable income on studentfinance.ie.. Budget 2012: The value of certain capital assets will be taken into account in the means test for student grants from 2013. Income limits for maintenance grant and full fee grant The gross family income limits for eligibility for a maintenance grant in 2013-2014 are set out below. These limits also qualify you in respect of the fee grant (if you are otherwise eligible). Number of dependent children Full Maintenance Part Maintenance 75% Part Maintenance 50% Part Maintenance 25% Less than 4 €39,875 €40,970 €43,380 €45,790 4 to 7 8+ €43,810 €47,575 €45,025 €48,890 €47,670 €51,760 €50,325 €54,630 7 Special rate of grants for disadvantaged students Disadvantaged students who meet a number of conditions can qualify for a special rate of maintenance grant. Applicants must have qualified for the standard maintenance grant for the academic year 2013-2014 and total reckonable income in the tax year January to December 2012 must not be more than €22,703, net of Qualified Child Increases and standard exclusions. For students who are assessed on parent(s) / guardian's income, their parent(s)/guardian must, on 31 December 2012, have been: Claiming long-term social welfare payments, or Claiming Family Income Supplement or Participating in designated programmes (for example, a FÁS training programme). For students who are assessed on their own income, on 31 December 2012 the student must have been getting one of these social welfare payments or participating in a designated programme. 8 Rates Changes in grant rates take effect in January each year. The levels of maintenance grant applicable for 2013 – 2014 are: Type Special Rate Full Maintenance 75% Maintenance 50% Maintenance 25% Maintenance Non-adjacent Adjacent €5,915 €2,375 €3,025 €1,215 €2,270 €910 €1,515 €605 €755 €305 Adjacent and non-adjacent rates For students who live 45 kilometers or less from the college being attended, the adjacent rate of maintenance grant is payable. The non-adjacent rate applies to everyone else. Following initial assessment of your application, if eligible, you will receive by post a provisional grant approval and a personalised List of the supporting documents required. The documents required will include: Long Form of Birth Certificate Parents P21 PAYE Balancing Statement (available from revenue) Parents P60s for each employment P45 if applicable 9 Letter from employer or pension scheme administrator Written Statement from Social Welfare Income from maintenance, separation/divorce agreements: Maintenance agreement, stating amount received each month P21 PAYE Balancing Statement Evidence of maintenance payments and any bills etc. covered as part of the agreement Disposal of assets: Completed Disposal of Assets and Rights table for 2012 Income from self-employment including: Copy of accounts for each business Computation of Profit / Loss for income tax. Notice of assessment Rent & other income from property: Copy of accounts for each business Computation of Profit / Loss for income tax Notice of assessment All documentation will relate to the previous full tax year. For entry in 2013-2014 this will be 2012 10 You can begin compiling these supporting documents as soon as you have submitted an application, you don’t need to wait for exam results. Photocopies of the documents should be returned as soon as possible. The responsibility is with you to submit all the documentary evidence included in the personalised list of supporting documents that will issue to you from SUSI following the initial assessment of your application. On receipt of the supporting documents, SUSI will process your application to award stage, subject to confirmation of your acceptance on an approved course. While you are required to submit photocopied documents only, it is important to retain all the originals as you may be asked to produce these at a later stage. When you confirm acceptance of a place on an approved course (Aug/Sept) your grant is awarded and payment will be made. 11 Changes to grants for Postgraduate Courses. From 2012-2013 academic year there are changes to this scheme. Postgraduates may get financial assistance under the Student Grant Scheme with the cost of tuition fees for approved postgraduate courses in Ireland and Northern Ireland. There is NO assistance under the scheme for courses elsewhere in the EU. There are 2 ways postgraduates may qualify for assistance under the Student Grant Scheme. 1. Get a new flat rate fee contribution of €2,000 if they pass the fee contribution means test 2. Get all their tuition fees paid (up to €6,270) if they meet the qualifying conditions for the special rate of grant for disadvantaged students. NO maintenance grant is paid to new postgraduate students from 2012. On-line applications are supported by a telephone helpline manned by SUSI staff. Phone: 0761 08 7874 12 Important Note If you complete a year of your course or even a part year (Semester 1 and/or 2) and decide not to continue, this will have implications for your free fees year, Student Services charge AND your grant (if applicable). Under the free fees initiative a student can only attend/complete ONE year of each year of their course of education once. If you decide to switch course or leave part way through or look to repeat a year you MAY have to pay fees and lose your grant for that same year/semester. Free fees and/or grant payments apply for one 1st year, one 2nd year, one 3rd year and if necessary one 4th year ONLY. If you are unsure of the course you have chosen or the course you find yourself in, please see your head of department or the Admissions office BEFORE October 31st in semester 1, or January 31st in semester 2 and you may be able to switch/be facilitated without losing your free fees/student services charge or grant. *Exceptional circumstances, on an individual basis, may be considered by the college. 13 How to open a bank or building society account Before you decide where to open an account, get information about what is available from banks, building societies, credit unions and An Post. Some banks offer special packages for students. Check with different banks for offers. Fees, charges and penalties Before you open a current account, you need to compare the various costs. Check what charges will be attached to your account including: Annual Fees and transaction charges Penalties Interest rates If you decide to open an account with a bank or building society, just visit one of their branches, ask to open an account and fill out an application form. 14 What documents will you need? By law, you must give the bank or building society: Proof of your identity; o Current valid passport or driving licence. o National Age Card (Apply on-line at garda.ie) costs €10.00 Evidence of your address; o Document issued by a Government department showing your address o Letter from a person in a position of responsibility* (eg. Solicitor, doctor, minister of religion or teacher) *Check with the bank who they will accept as a person in a position of responsibility. You will have to supply two documents – one to prove your identity and one to prove your address. You cannot use the same document for both. Banks and building societies must ask for these documents under EU and Irish money laundering laws. 15 Dos and Don’ts when opening a bank account DO Make sure you have proof of your identity and evidence of your address. Ask about fees and charges on the account you decide to open. Look at ways of using your account to lower these charges. Find out about banks that offer ‘free’ banking and ask what conditions apply. Read and understand all of the terms and conditions. Ask for an explanation of anything you don’t understand. DON’T Sign any document or form that you do not understand. Be afraid to ask about the different accounts on offer. Feel that you have to open an account immediately – if you wish, take the information to read at home. 16 Current account facilities This is the most common account available and is a convenient way to manage your short-term financial needs as it is secure, flexible and easy to access. It allows you to: Receive payments (for example your student grant or a transfer of money from your parents.) Get cash from your bank by using your ATM card. Pay for goods using your debit card. For example top-up credit for your mobile. Pay bills in your branch or by direct debit or standing order. Bank using the phone or internet. Avail of an overdraft facility. Choosing a current account You should compare the different accounts by looking at: Costs involved for the services you use most Convenience (which Bank has a branch in the college you will be going to, remember, banks are closed at weekends) Internet and phone access to your account Cards that are provided with your account Interest rate on overdrafts and any related fees. 17 Penalty charges on your unpaid direct debits and standing orders. Renting Looking for somewhere to rent When considering accommodation, look at the area for things like public transport to and from college (the right location can save you money), local services and amenities available. Check for signs of dampness. Is there heating, lighting and ventilation? Do the appliances provided work properly? Check that your room has a window and adequate ventilation. Check how many proper bed spaces there are in the property and how many people actually live there. A lack of space and privacy can create tension between people. Check that the area is safe, well-lit and fit to live in. Who you are renting from? Always meet a prospective landlord in the accommodation. Ask for identification such as a business card. Get the landlord’s full contact details, including a landline telephone number and address. 18 Do I Need A Lease? When renting, you can either sign a lease, a legally binding contract, or make an informal agreement with the landlord. A lease provides more security but you have more flexibility with an agreement. If a landlord offers you a lease you should only sign it if you are happy with the terms (for example, don’t sign a 12 month lease if the college year is just nine months. Try and negotiate a 9 month lease. If you are unsure about signing a lease seek advice from Threshold (the National Housing Association www.threshold.ie). Make sure you read and understand the agreement or contract before you sign. What are your rights as a Tenant? You are entitled to quiet and exclusive use of your home and the landlord is not allowed to enter without your permission except in an emergency. You can have friends to stay overnight or for short periods, but you must tell your landlord if someone extra is moving in on a more full-time basis. The Landlord has to give you at least 28 days notice to vacate the premises You have obligations too – to pay your rent on time, keep the accommodation in good condition and not cause damage or nuisance. 19 If you rent a room in your landlord’s house, your rights as a renter are more limited. So make sure you agree the rules in advance, such as the rent level, period of the tenancy, notice periods and any restrictions regarding visitors. Security Ask who to contact if you have a problem. If you are anyway suspicious about the person you are dealing with, for example if they refuse to give you their details, will not sign an agreement or won’t give you a receipt for your deposit, then contact the Gardai immediately. Check if anyone else has keys to the property. Only agree to take the property when you are totally satisfied. Get the keys and check that they open and close the doors of the property. Paying your deposit and rent Never hand over cash. Pay the deposit and first month’s rent by cheque (ask your parents!) or bank draft and get the landlord’s bank details for future rent payments. Always get a proper receipt on headed paper. Only pay your deposit if you are certain that you are planning to live in the accommodation – you may lose your money if you change your mind. 20 How to Protect Your Interests Make sure to keep all receipts and keep the rent book up to date. Record the condition of the property before you move in to avoid any dispute with the landlord over the deposit when moving out. If there is any damage to the property or broken furniture point it out to the landlord early on (and take photos as a record) so as to avoid the landlord using this as a reason to keep your deposit at the end of the tenancy. Your personal belongings, phone, laptop etc., are not covered by the landlords insurance so you may want to take out your own insurance to cover valuable items. Noise You should be able to live peacefully in your home without disturbance from others. You should ensure that you do not disturb others with loud music, late night parties etc. Check the lease or house rules with regard to noise levels. If you experience problems try to resolve it with the person causing the problem. If this is unsuccessful inform your landlord. Your accommodation must meet minimum standards. Notify the landlord immediately in writing of any repairs needed and allow access for the work to be done. Remember, it is an offence to with-hold rent even in the event there is a dispute over repairs and maintenance. 21 Electricity – be aware that you will be asked to pay a €300 deposit (per house) before electricity will be connected. How to get your deposit back from Landlord Following the tips below will ensure that your tenancy is ended properly and you have a greater chance of getting back your deposit when you leave. Check your lease to see if you can give notice. If notice can be given ensure that it is done in writing and that you give the correct period of notice Make sure that all rent and bills are paid up to date and the transfer of accounts is arranged in advance. Clean the property thoroughly and take photographs of every room. Remove all of your belongings. Return the keys. Your landlord does not have to return the deposit on the day you leave but they must promptly return your deposit. The landlord may only keep some or all of the deposit to cover rent arrears, bills or the costs of repairing any damage above normal wear and tear. Request receipts for all deductions made from your deposit. Keep records of all correspondence with your landlord/agent. 22 FREQUENTLY ASKED QUESTIONS MONEY If I'm approved for the grant, but do not receive payment by the time I start college, what assistance is available? There is no scheme which specifically supports students approved for the grant but not as yet paid. However, the Student Assistance Fund (each college operate their own fund which you must apply to) may be of help. Some banks provide bridging loans for students who are awaiting their grant payment and who can provide official documentary evidence of approval. Check this out with student banking officers in the college banks. 23 Student Assistance Fund I am registered on an approved course and am receiving a student grant. Can I also get the Student Assistance Fund? You are eligible to apply. Your grant will be taken into account by your college in assessing your needs. The decision on your application will be taken by the college based on the information you provide (and, if necessary, verify). How much Student Assistance funding is available to a student? Amounts approved under the fund will vary, depending on factors such as the needs of each individual applicant and the overall level of demand for the fund in the college. Are students entitled to help with rent when they go to college? Students are not entitled to apply for rent allowance. Can students sign on during the summer while waiting for college to start in September? No, students are unable to sign on during the summer or during seasonal breaks as they are not 24 “available for and actively seeking full time employment. Can a student change course once the semester has started? If you complete a year of your course or even a part year (Semester 1 and/or 2) and decide not to continue this will have implications for your free fees year, Student Services charge AND your grant (if applicable). Under the free fees initiative a student can only attend/complete ONE year of each year of their course of education once. If you decide to switch course or leave part way through or look to repeat a year you MAY have to pay fees and lose your grant for that same year/semester. Free fees and/or grant payments apply for one 1st year, one 2nd year, one 3rd year and if necessary one 4th year ONLY. If you are unsure of the course you have chosen or the course you find yourself in, please see your head of department or the Admissions office BEFORE October 31st in semester 1, or January 31st in semester 2 and you may be able to switch/be facilitated without losing your free fees/student services charge or grant. *Exceptional circumstances, on an individual basis, may be considered by the college. 25 HEALTH Are students entitled to a Medical Card? Full-time students aged 16-25 who are financially dependent on their parents are normally only entitled to a medical card if their parents have one. Students who are financially independent of their parents, for example, who have income from parttime work, and who satisfy the means test may be entitled to a medical card. If you think you may qualify for a medical card you can apply on line at: medicalcard.ie or fill out an application form available from the Health Board or any Citizens Information Centre and post it to Client Registration Unit, P.O. Box 11745, Finglas, Dublin 11. A student getting Disability Allowance will generally be entitled to a medical card. 26 Know Your Rights Consumer: I bought a shirt last week and now I have decided that I want to change it and buy a different one. Am I entitled to my money back? If you simply change your mind about a product you bought in a shop and decide you don't want to keep it, you do not have any rights under consumer law. However, some retailers may offer to accept returns and give you an exchange or refund within a certain amount of time after the purchase. This is shop policy and a gesture of goodwill and NOT a legal requirement. 27 Unwanted gifts If the item was a gift which you would like to exchange, some shops may exchange it if you have a receipt. In this case, you will need the receipt or a gift receipt from the person who gave it to you. Gift vouchers Be careful with gift vouchers Gift vouchers can be exchanged for goods or services up to their face value. There are different types of gift vouchers depending on who issues them, including those that can be used in: A specific shop A specific chain of shops A wide range of different traders (for example, for a specific shopping centre) or any club or association of shops such as One4all vouchers You do not have the right to get change when you use a gift voucher unless the voucher's terms specifically state that change will be given. Expiry dates vary widely. Some shops give you six months to redeem your voucher, so a gift token you received at Christmas and left in a drawer will be no use by the following July. 28 Lost vouchers and receipts If you lose a gift voucher, the shop doesn't have to replace it. It's just like losing cash - so always keep the voucher somewhere safe. Paying a Deposit A deposit is a payment you make to show that you intend to buy a product or service. When you pay a deposit, you enter into a contract with the supplier. It's easier to know what your rights and responsibilities are if you have the contract in writing, but a verbal contract is also enforceable. Remember, deposits are usually non-refundable. If you pay a deposit and then change your mind about the product or service, the supplier or seller may not return your deposit. If the shop goes out of business If you pay a deposit and the shop or seller goes out of business, it can be very difficult to get the goods or your money back. Your needs will not be a priority for the business if it goes into liquidation or receivership. However, if you paid for the goods by credit or debit card, your card provider can reverse the transaction. This is called a chargeback. Contact your provider immediately you become aware of the situation and give them details of your transaction. 29 KNOW YOUR RIGHTS EMPLOYMENT I work 16 hours at the weekend. What are my holiday entitlements? All employees, regardless of status or service, qualify for paid holidays. All time worked qualifies for paid holiday time. Holiday entitlement can be calculated in one of three ways depending on the total hours worked: 1. Four weeks (20 working days) if you work at least 1,365 hours in the leave year, or 2. One-third of a working week for each month that you work at least 117 hours, or 3. 8% of the hours worked in a leave year up to a maximum of 4 working weeks. So, for this example: 16hrs X 52wks = 832 hrs. 8% of 832 = 66 hrs. (4.13 weeks) Therefore your holiday leave would be 4 working weeks. (The maximum entitlement.) 30 Can I take an unbroken 2 week’s holiday? Following 8 months work, you are entitled to an unbroken period of 2 weeks holidays. What is the situation regarding public holidays and part-time workers? Part-time workers must have worked a minimum of 40 hours in the 5 weeks preceding the public holiday to qualify for public holiday benefit. You are entitled to whichever of the following options your employer determines: a) b) c) d) A paid day off on the day. A paid day off within a month of the day. An extra day of annual leave. An extra day’s pay. I don’t normally work on the day the public holiday falls, what is my position? Even if you are not working on the actual day you are still entitled to 1/5 of a normal weeks pay for that day, once you have the 40 hours worked in the previous 5 weeks. There are 9 public holidays in Ireland each year. Public holidays may commemorate a special day or other event, for example, St Patrick's Day (17 March) 31 On a public holiday, sometimes called a bank holiday, most businesses and schools close. Other services, for example, public transport still operate but often with restricted schedules. The list of public holidays each year is as follows: New Year's Day (1 January) St. Patrick's Day (17 March) Easter Monday First Monday in May, June, August Last Monday in October Christmas Day (25 December) St. Stephen's Day (26 December) Good Friday is not a public holiday. While some schools and businesses close on that day, you have no automatic entitlement to time off work on that day. In a redundancy situation, are part-time workers entitled to any redundancy payment? If you have two years’ continuous service with the same employer and are over 16 years of age, you have the same entitlement to statutory redundancy payment as full-time employees. How is statutory redundancy calculated? 32 Two weeks wages for each year worked plus one bonus week. Therefore, if you worked for your employer for 3 years you would be entitled to 7 weeks wages redundancy. What is Minimum Notice? The amount of notice you are entitled to by law will depend on how long you have been working for your employer. Duration of employment 13 weeks to 2 years 2 years to 5 years 5 years to 10 years 10 years to 15 years 15 years or more Minimum Notice 1 week 2 weeks 4 weeks 6 weeks 8 weeks Your employer is obliged to give you the correct minimum notice if they are letting you go from employment. If you are leaving your job, your employer is entitled to a minimum of one week’s notice from you if you have worked for 13 weeks. Your contract of employment may require you to give more notice. 33 What can I do if my employer wants to reduce my pay or hours of work When your employer has a downturn in business or there is less work for you to do, your employer may ask you to take a pay cut or to work fewer hours. You should consider this request very carefully. If your employer's business activity is reduced, this may mean that if you don’t accept a reduction in your working hours or pay you may lose your job due to redundancy. Any change to your contract of employment must be agreed by both yourself and your employer. If you do agree to a reduction, you should make a point of asking for a review of the position every 3 or 6 months when you should ask to be restored to former wage rate/days worked as this can impact on future entitlements should a redundancy situation arise in the future. 34 Information Leaflets available free of charge from any Citizens Information Centre Include: Title Information for School Leavers Employment Rights Explained Part-Time Workers Holidays & Leave from work Citizens Information Leaflet Renting for the first time Guide to Renting Being a Good Tenant Published by Citizens Information Board CIB Weekly Spending Diary Money Advice & Budgeting Service MABS First Steps, Second Thoughts, Third Level 35 CIB CIB CIB Threshold Threshold PRTB Useful websites http://www.citizensinformation.ieCitizens Information Provides free, confidential advice on Employment Rights, Social Welfare Payments, Housing and Education & Training www.studentfinance.ie For detailed information on student grants and finance. www.accesscollege.ie For information on HEAR and DARE schemes. www.threshold.ie Threshold is a national organization that provides free information, advice and advocacy services for people with housing problems. www.environ.ie PRTB Private Residential Tenancies Board www.mabs.ie MABS Money and Budgeting Service www.workplacerelations.ie This Website provides information on rights and obligations under employment, equality, equal status and industrial relations legislation and sets out the resolution and redress options available where disputes or potential contraventions arise. www.consumerconnect.ie The Consumer Protection Agency provides information about consumer rights and personal finance. www.garda.ie Irelands National Police Service 36 for bursaries – focussing them on the students who most need our support," he said. The awards under the new scheme will be fixed at €2,000 per student. The bursary will be an extra support and incentive to recognise high achievement for students who are from disadvantaged families and attending DEIS schools. Those students to whom bursaries are awarded will also be entitled to apply for student grants towards the cost of maintenance and the student contribution or fees. 41% of all undergraduate students currently receive a student grant and have their fees or student contribution paid on their behalf. These bursaries will be augmented by a small number of bursaries focussed on students who undertake studies in the STEM areas. "They will be named the Walton Bursaries after Ernest Walton - Ireland’s only Nobel laureate in science, and the man who, with John Cockcroft, became the first person to split the atom,” said the Minister. "We hope that these bursaries will help ensure a new generation of Irish people strive to replicate his achievements." 37 Opening Hours for Citizens Information Centres in Dundalk and Drogheda. Dundalk Citizens Information Office 4 Adelphi Court, Longwalk, Dundalk Monday to Friday 9.30am – 12.00pm 2.00pm – 4.00pm Phone: 0761 07 5950 Drogheda Citizens Information Office 1 Mayoralty Street, Drogheda Monday to Friday 9.30am – 2.00pm & 2.00pm – 4.00pm Phone: 0761 07 5940 Citizens Information National Phone Service Monday to Friday 9.00am – 9.00pm Phone: 0761 07 4000 38
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