I am hoping someone here can help me....I have been following this site quietly for some time. In 2006, I moved a mortgage which I had taken out in 2001 from PTSB to UB for an apartment I was living in and I took out another mortgage for a home I was buying and intended to rent out the apartment. I took a 2 yr fixed rate out on both in Nov/Dec of 2006 until Nov/Dec 2008. I was not offered a tracker when my Fixed rate was up so moved onto a SVR for both. I am currently on an SVR for both, reduced my home SVR slightly recently due to change in LTV.
Due to the crash(less rental income), husband losing his job, and high SVR, I got behind in paying and ended up in MARP. Filled out many SFS's, interrogated and harassed for years by UB until I eventually had a breakdown. My friend suggested a number of years ago, that I contact UB about why I was never offered a tracker.....I did not follow up as the thought of talking to the bank put me in a cold sweat.
I am now stronger and have been encouraged again to go and look at things and see what my original contracts with UB entitled me to, I may not be entitled to anything but want to know for sure. Can someone tell me what exact paperwork I should ask UB for? Really appreciate any help.
Due to the crash(less rental income), husband losing his job, and high SVR, I got behind in paying and ended up in MARP. Filled out many SFS's, interrogated and harassed for years by UB until I eventually had a breakdown. My friend suggested a number of years ago, that I contact UB about why I was never offered a tracker.....I did not follow up as the thought of talking to the bank put me in a cold sweat.
I am now stronger and have been encouraged again to go and look at things and see what my original contracts with UB entitled me to, I may not be entitled to anything but want to know for sure. Can someone tell me what exact paperwork I should ask UB for? Really appreciate any help.