twofor1, in short - I dont know, thats the reason I want to make the appointment. I made 2 larger payment of 500 euro the remaining payments could have been as low as 50 euro or as high as 200 euro adding up to a balance of 2K approx, depending on what I could afford each fortnight when I got paid.
To use American parlance I believed at the time this would be held in escrow but now I am not so sure. I am also interested in the interest situation like you but dont have any answers, I am on a tracker so the change would be small, but would be very welcome nonetheless.
My annual statement does show the original lodgement I made around the time I was changing my payment dates, listed along side the repayment dd amounts, nothing special about it, just another line item on the statement, and the balance reducing. In this case it shows the lodgement on the 4th of the month and shows a "Value Date" as the 3rd, so I am thinking yes I am benefiting from the interest being reduced along with the term, immediately from the date of lodgement. But how that affects the interest calculation with a missed or reapportioned payment etc??.
The adjustment where the overpayment was used to compensate for the missed payment - that one I cant answer, it happened since my last annual statement so I dont have the record of it. I did ask at the time if there was any penalty or charge on my mortgage account for this but was told no (other than the unpaid dd fee on my current account but that is a separate issue and I totally accept that is my fault). The regular small payments have also happened since my last statement so are not reflected in the statement I have to hand but I have no reason to think they will be treated any differently to the original one.
It doesn't show a separate overpayment amount so how you would know how far ahead you are and what is available to play with if you ran into trouble, how many payments you could "miss" etc I really cant answer any of that.
I want to know if it shows as a missed payment on my internal BOI credit report, or if it flags me in some way as potentially in trouble etc. Based on the info here I do not believe it would be reported to the ICB as a missed payment but I want confirmation of that from teh bank.