Those who say 'why don't you have internet banking', well, I had my mortgage transferred to AIB 3 weeks ago.
AIB have already generated drama with an overcharge on the first mortgage payment; they have failed to tell me what the sort code of the mortgage is so I can complain formally about this (had to ring to demand it), along with what the transfer amount was (ditto), and so on.
I did ask whether I could see the account balance, online, as I could previously with my UB mortgage. They said, sure, if I opened a current account with them, and made the mortgage payments through them, then I could and it would be AIB-fee free.
But it wouldn't be free of the numerous government charges that are levied...which in the case of my Permanent TSB account, are absorbed by the bank.
I never had a requirement to open a current account with Ulster Bank, in order to see my mortgage balance online.
So to get online access, it will still cost me money. The bank might claim they don't charge, regardless, it will still cost me money to do something, the way AIB want me to do it, simply because they can, and to do so I will be forced into a banking relationship I frankly do not want to have (it isn't a choice when the options are do what AIB want and take the negative consequences because I 'agreed' to them, or not do what they want and take the negative consequences)
Making a formal complaint, which I know will however get me absolutely nowhere, because they don't care and the regulator won't care either. But it will cost them money...which is the only thing they understand or care about.
AIB have already generated drama with an overcharge on the first mortgage payment; they have failed to tell me what the sort code of the mortgage is so I can complain formally about this (had to ring to demand it), along with what the transfer amount was (ditto), and so on.
I did ask whether I could see the account balance, online, as I could previously with my UB mortgage. They said, sure, if I opened a current account with them, and made the mortgage payments through them, then I could and it would be AIB-fee free.
But it wouldn't be free of the numerous government charges that are levied...which in the case of my Permanent TSB account, are absorbed by the bank.
I never had a requirement to open a current account with Ulster Bank, in order to see my mortgage balance online.
So to get online access, it will still cost me money. The bank might claim they don't charge, regardless, it will still cost me money to do something, the way AIB want me to do it, simply because they can, and to do so I will be forced into a banking relationship I frankly do not want to have (it isn't a choice when the options are do what AIB want and take the negative consequences because I 'agreed' to them, or not do what they want and take the negative consequences)
Making a formal complaint, which I know will however get me absolutely nowhere, because they don't care and the regulator won't care either. But it will cost them money...which is the only thing they understand or care about.