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Ya we've been on to them again! Was supposed to be in todays post but wasn't. They very reluctantly sent it to OH email as he is staff so it's confirmed as zero @Paul F we're just going to refix with UB. Looking at the 5 yr fixed at 2.45%. And giving up our tracker as well (its 2.5% so not...

Requested on 29th of May and haven't received it yet. Have rang 3 times and still not received! Got our change rate letter for the fixed part of our mortgage but that's all Getting frustrated with them!

Thank you Paul. Appreciate it. The valuation is an estimate at the moment as it has increased a lot since we purchased in 2017. We carried a chunk of negative equity with us. So getting to a 70% LTV is big change! Contacted UB on Friday and they are getting back to us with break fee and options...

Yes they do, 24 years and 4 months left

Hi Current lender; UB Outstanding mortgage balance (how much you still owe): 219053 (181,552 fixed/37501 tracker) Approximate value of your property 320000 The date you started your fixed-rate mortgage (month and year) Oct 2017 How many years you fixed for 7 Your current mortgage interest rate...

Anyone any advice for me?

Thanks Ongar. Our letter doesn't state calculation either Lender: UB Amount of mortgage balance outstanding: €193k Date you fixed: Sept 2017 Period for which you fixed: 7 years Fixed rate: 3.99 Term left: 5yrs Breakage fee quoted: €3830 Got letter yesterday. Break fee of €3830 which is 6...

Ongar, Just wondering what product you're looking at moving too. We fixed in sept 2017 @ 3.99 and got breakage fee of 4k approx (waiting on the letter to come). Looking at our options now

Have requested the appeals pack. Would you go ombudsman route at the same time or wait until appeal finished? Must dig out contract if I can and see if anything in it. Got all paperwork they have on our mortgage and no paperwork at all from when we moved to the staff rate. Do any of you have...

Received our cheque for redress today. As expected they applied it to the smaller part of our mortgage and not the staff part. Was .25% overcharge over 10 years. Have requested the appeal pack. We requested to move all our mortgage back to the tracker in 2009 but they refused. If we knew better...

No further word from UB on this. We requested all info they had on us and got it last week. Sifted through it all over the weekend. There's no forms or info on switching to the staff rate, or on requesting to go back to the tracker. Did anyone else sign when moving to the staff rate? Going to...

Hi all, Also affected by this and wondering if any of you have gotten any further with things? We were on full tracker from 2006 and moved partially to the staff fixed rate in 2007 with some remaining on tracker. As rates fell we requested to move all back to the tracker rate but were told we...