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I have opportunity to fix now. 20 years left with 107k balance. Options are 2.2% for 2 years, 2.35% for 5 years or 2.8% for 10 years. Thoughts?

Thanks I did but they said it won't take effect until Februarys payment.

I started a new job and made a bit of a mess up by not changing the day my mortgage is taken out on. I have a mortgage payment due on the 4th but won't have the money there until the 5th. I rang Ulster bank and was told make a manual payment the next day. Would this effect my credit rating or...

I had an account with them before I switched to Halifax originally but still no switch a/c for me. They also didn't send me any info on the scoring system which they said they would. The staff seem to make it up as they go along.

Just a follow up. I recieved no letter or booklet at all. I sent an e-mail, they said they wouldn't detail their internal scoring system, I simply didn't qualify. Totally ridiculous. Just filled out an online application to switch to Ulster Bank so hopefully everything goes alright with them...

Rock and a hard place for me so. I want a Visa Debit but don't want to pay charges. Ulsterbank the only option really.

True, but no credit interest and quarterly fees with PTSB. Add to that now poor personal experience with the customer service and in my opinion, underhanded tactics of selling their switch account product. Maybe this letter that they send will make everything clear. I doubt it however.

Thanks for that. I'm thinking of changing to Ulsterbank if PTSB don't have a satisfactory answer. They don't seem to have a similar system for qualifying for fee free anyway.

How would I request that? Will be very interested to see what this apparent letter or booklet they are sending out will tell me.

This happened to me and I only realised after opening the account. I was going by the if you qualify "nitty gritty" which tells you nothing on the website. Turns out I did not qualify. Rang the branch, fairly unhelpful. Just said I didn't qualify and they would send me out a booklet why. I...