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Can I ask has any one on this thread received copies of their offer letters from PTSB at the expiry of their fixed rate terms in 2005 & 2006. We have received correspondence from the DPO to say it was not an internal procedure for these to be scanned to file when issued to customers in those...

Can I ask for people who's contract didnt clearly start tracker what it did say? I was under the impression the contract had to specify tracker as an option after the end of the fixed rate period.

I never came back to this thread with everything going on. The OMC was set up at same time as development went on sale. A management agent appointed and management fees levied. Owner occupiers took over 8 OMC years ago and got rid of MA but common areas not vested until 2 years. And and have...

Yes. We did as I said we have that letter and I also said I didnt know what the wording of a tracker mortgage and the purpose of the question was to understand the obligation for the end of the second fixed period. Thank you as always for your succinct response.

They offered a tracker in the options letter in 2006 and a fixed term was chosen again. In 2011 no tracker was offered. I wasnt sure what the wording for tracker mortgages stated and wasnt sure if the letter in 2006 meant a tracker was intended as part of the contract.

I have attached the wording.

Thank you for the replies I will pull back out the contract and get the exact wording.

Hi I was looking for some advice on PTSB mortgage. Taken out 2004 tracker option was in the broker list of available rates in our broker pack. Tick next to one year fixed. We got our file via a GDPR request, I specifically asked for the original loan offer, contract, the offer letter at the...

Thank you for the reply. That makes sense and will be the approach we will try to take if possible.

To clarify we would only be able to over pay as the monthly payment will drop by moving from 4.5% to 3.7%. The calculated repayment affordability is the same. The new payment will be lower due to rate change. Maybe I wasn't clear in my post. We went to the bank provided all our detail change in...

Hi we just completed our first review of our split so it's in place approx 3.5 years. There is two mortgages Main balance was Main 114,660 Warehouse 118,287 New offer Main 123,857 Warehouse 109,090 Top up Balance was Main 20,173 Warehouse 21,399 New offer 22,103 Warehouse 19,470 Interest...

Hi I am looking for some advice on regards outstanding fees ownership and common areas. Complicated situation joint ownership and outstanding fees. Common areas not transfered until 10 yrs after sale. Legal dispute ongoing with developer by estate. Lease states developer responsible to...

Hi I was wondering if anyone had experience of were one owner sadly passes away and there are outstanding management fees in relation to a property owned jointly. Do these fees pass on to the Co owner automatically?

Thanks for your replies. The property isn't in both our names. His soley and I'm not named on the mortgage. To be honest Im so at the end of my tether with it all I'm trying to get loan and offer a settlement to Revenue That will leave our split mortgage in tact and the management fees to try...

Hi My husband had intended to file for bancruptcy early last year. Due to internal issues in the solicitors our completed paper work wasn't filed. We then had to get another letter from an insolvency prationer who said due to both of us having received a small pay rise this means we have to...