My legal advisor has told me a contract can only legally exist where the terms and conditions and payment rates have been clearly stated in advance of the customer singing the contract.

The terrible destruction of property and the dreadful inconvenience caused to residents in flooded areas in Ireland and Britain could have been prevented if the following precautions had been provided after previous flooding.

IN his letter (January 19), Tom Kindlon asserts that all people who rely on the state for their income, except pensioners, suffered deductions in the December budget.

I AM writing in response to your report (Irish Examiner, August 4) on meningitis survivor Aoife Murray from Co Westmeath who was taken ill with the disease in Medjugorje.