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I've noticed the posts / thread is a little out of date - I can't seem to find a more up-to-date thread...is there a more up-to-date one or does anyone have the capability to update this one accurately?

Hi Patsy, Have they contacted you yet? It's been several months from the initial "contact" letter where UB outlined what has happened, and the interim period is going on and on. UB now have no interest in dealing with any queries (although they continue to collect the rent) and have advised...

My understanding is that the latest sale legally transferred mid-December, with an interim management period while Cerberus took over (with all payments going to UB until you're informed otherwise). I don't know if Cerberus (well their agent) has actually contacted people yet.

Hah - literally hit "post" and the missus calls me to say a large file has arrived from the bank!

Anyone have any ideas on what to do if my Bank has not yet replied to my Freedom of Info request and I'm now outside the 40 days (even though they tried to convince me I couldn't add!) Do I send them another registered letter? Or do I just send one straight to the Data Protection commissioner...

Unfortunately we'll still be having this discussion in 10 years

Looks like the legal transfer occurred December 19th with a brief interim period where UB will still manage the mortgage. I expect that to be rectified soon and am just awaiting the letter from my new mortgage owner...er I mean lender. Interesting times ahead. I'll post anything interesting...

Yeah, always fascinates me that. I admire people who can take that sort of risk, but you take the risk, you will happily have the upside but not pay any heed to the downside consequences. Which, in this case, is losing the family home.

What an absolute disaster. I have good tenants and am happy form THEM to pay below market rate. We've just re-agreed an uplift, but still several hundred off market. I, as a LL, am happy with this as I know they are good tenants and don't need to squeeze every penny. As I have just agreed the...

I thought Trump promised an extra £350m a week to the NHS in the UK? What's happened to that?

One other question would be on the Freedom of Information Act. Now, I think, is a good time to request it! Nice link here: http://www.askaboutmoney.com/threads/freedom-of-information-from-banks.200128/ However, I have 2 questions I can't find the answers to (on top of my capitalised one...

I'm on a tracker so that's one less problem. I do, however, have some arrears. I don't recall them being 'capitalised', but I'm not sure how I would check this?

Hi Brendan, It's my only property, but its been a while since I've had to think about it so forgot it was still dealt with in MARP - glad to know Cerberus will have to treat it accordingly. In terms of deals, when my current deals rolls off, if I simply start repaying the full amount due...

Hi Brendan, No legal proceedings - been in a plan for the past 3 years which have been adhered to. It was my PPR but I no longer live there so I presume they have it classed as a BTL now. Just trying to find out what they can or can't do, as my deal ends next year so getting my ducks in a row...

Hi Angell, It's an interesting situation and one I find myself in. I wasn't expecting to be classed as distressed to be sold at a large discount, but clearly I was mistaken! I don't know the answers to your concerns, but I guess the questions needing answering would be as follows: 1) Do...

In terms of existing deposits - would a landlord have to retrospectively register these with the PTRB? I have my tenants in an account separate to my day-to-day one, and have no problem doing it but as I live in another country the less I have to do in dealing with Irish institutions the better...

This is pretty much how it works in the UK - there is generally additional cash required by the tenant to secure the new place (i.e. deposit and rent upfront) prior to getting their existing deposit back.

Agree with the above sentiment - 3 years of dealing with UB were enough to drive me batty. The stories I could tell..... But I wont go on a rant, not worth the aggravation And yes, keep ALL correspondence, key in me defending my case. Dates, times of calls, keep a log.

They can have my kids - wrecking my head at the moment!

Ties into my experience with one of the other Banks; on a BTL there was no option for a split mortgage etc, this only applied to people who were still living in their home. Even if it was the only property you owned, it was classed "BTL" and treated as such.