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But the known facts HAVE changed when entering into the second bank's contract and these are NOT disclosed!! So thank you for that. With respect, I will no longer engage with you.

Despite your sarcasm, accepted.

Ah c'mon Leo ! We both know the answer to that.:(

Also in the '6 month plan' he has no intention of carrying out any of them except the last one.

Thank you, I was beginning to think I was alone . The whole '6 month plan' stinks and is most certainly far from transparent and above board !

Without getting into semantics, it does not alter the fact that the present lender and length of time with said lender, has changed to what was on the original application form (which AFAIK is asked), is not, shall we say, forthcoming. Ergo a contact is knowingly ratified based on inaccurate...

Ahh Leo, now you now better than that..........Utmost Good Faith ? No but they do ask about present lender and as that changes they are kept in the dark.

What on earth are YOU talking about?? I never suggested or intimated any of the points in your post. I have no problem and never have had a problem with multiple switchers!

Ah someone new....I see you used the word 'rubbish'. I had a post pulled on me for using the word 'nonsense' once.:) So you think if subsequent banks were informed that the information on their clients applications has changed since they offered the loan, that would be fine with them? So you...

I have answered it 'ad nausea'. Yet again, you are twisting what I say!! I have repeatedly stated that I have no problem with multiple switchers !! What I do have a problem with is the subterfuge and duplicity employed with the 6 month scheme. If you can/will not see how this plan is far from...

@Sarenco No, I'm am not going through it again......... There are many occurrences of withheld information and false promises (undertakings) within the 'multiple switches in 6 month scheme'. Both parties to a contract are expected to act with 'utmost good faith' and precious little of that is...

Dear, oh dear! I am so tired of answering that question. Have you read ANY of the posts ? If so, it begs the question, do you understand how it works? It is as clear as the nose on your face EXACTLY what information is being withheld on subsequent switches within the 6 month stratagem.

Generally due 4 years from date of first registration.

Exactly my point, the whole 'multiple switches in 6 months' frenzy that was promoted here was solely based and indeed only worked if the mortgagee and solicitor hid things. And of course, nor do I . You know, I know and the dogs on the street know, there is no such thing.

@Sarenco I give up, I tried my best to explain it to you. You have worn me down !

Absolutely agree, as long as both parties are 100% above board.

Excellent reply Brendan.

No it's not, however:- Judging my morals most certainly is ! It most definitely is not beside the point, the whole basis of the multiple switches is that it has to be carried out within six months or else wait at least a year between switches. Look, for the sake of clarity I'll give quick...

This multiple switching does not work with AIP's. Not the reason why the work is refused. Please try to refrain from making personal comments. I have no control over what you may find bizarre. I am not going to discuss this further with you as the steps/method used to obtain multiple switches...

Letter of Offer. Read them again, why do you think it had to be done within six months for it to work? Also some solicitors do not want to be involved as, among other things, they have to give undertakings that they knowingly have no intention of carrying out...