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Hi Mrs Vimes, I did, I will post when I get a reply, thanks

Hi Mary, Thanks for your reply. I found an email address today and sent them an email with my circumstances laid out so I will update when I get a response. I did see on another message board that a lot of people were getting letters with incorrect number or ages of children, etc and then...

Hi all, I have been in receipt of Carers Allowance due to my son having a disability. It was last reviewed in May 2017 and our medical cards were reviewed and continued in December 2017. I got a letter a couple of weeks ago stating that I would receive Back to School payment of €625. I had not...

If the 0.5% deal started in June 2013 then all of 2014 should have been at this rate. In my experience UB are particularly useless - we also engaged fully with them in MARP and found them to be completely incompetent - everything we sent in was ignored or lost, our tracker rate was removed...

Hi all, my long-running saga with Ulster Bank continues - we reinstated the DD last July as I couldn't face ringing them every month to make manual payments but they still haven't taken a payment and I've had to ring them every month anyway. I am writing yet another complaint letter to them...

I had the exact same experience, copy of my post from the other thread: The person I spoke to in UB (senior complaints manager) told me that they had in fact been presenting the DD every month since I cancelled it and that AIB had prevented them from "pulling" the money from my account. I...

Hi Magpie - I saw your other thread too, perhaps they should be merged? The person I spoke to in UB (senior complaints manager) told me that they had in fact been presenting the DD every month since I cancelled it and that AIB had prevented them from "pulling" the money from my account. I told...

Our UB payment was made by debit card on Saturday 1st as it is every month because they screwed up the DD amounts repeatedly until we cancelled it last year. It went out today - turns out they had been presenting it every month despite our payments being made and despite our cancelling it. It...

Hi all, does anyone know for sure whether people who currently have a medical card under the keep-it-for-3-years-when-you-return-to-work scheme will definitely lose it for a GP card? My husband finally signed off last month and we may still qualify on means test but as he's self-employed with...

Hi Lucuma, Stop the Direct Debit so the bank can no longer take what they want each month. Then to "pay manually" you can either ring up and pay what you want by laser, do it by online banking or go into the branch and pay there. Depending on who your mortgage is with you could possibly pay in...

Another update - finally got a call back from someone a little higher up. Basically what seems to have happened is that at some stage they took our tracker and didn't even send a change of rate letter. Fuming doesn't begin to describe.... the person I spoke to tried to suggest that the tracker...

Thanks Ang, I do have full record of all calls, letter to & from, etc. I never make a call without a pen in my hand :-) You should see the size of the file! Also every call is "but I spoke to name last week and he told me xyz," and each letter is "I spoke to name in your call-centre and was...

Thanks so much for your post Mokolodi, maybe it's not personal! Yesterday we got a letter accusing us of not having made any payment at all this month - some unfortunate got an earful from me for that one. The actual problem, as I pointed out to the call-centre person yesterday, is that they...

Update - we got yet another letter offering us another different payment on Friday - what's really bothering us now is that the 3 letters have wildly differing normal monthly payment amounts on them - May is 1170, June is 980 and Sept is 1390! I reckon on a mortgage of c. 250,000 at ECB + .85%...

This bit jumped out at me - I wouldn't be signing anything without legal advice - maybe they haven't lost the originals at all and want you to agree to different terms?

Hi ang1170, Thanks for your post. September's payment already went out of my account yesterday, they won't take any more until 1 October so I have plenty of time to cancel the DD between now and then. Anyone know who I should complain to if they mess me about again? Is is the FSO or is there...

Don't know Cantalia, they never asked what the facility was, just the balance, it didn't really occur to me until you just asked. Certainly they never said we should cancel the overdraft. It has saved our skins on more than one occasion, especially with the mortgage bank being so utterly...

Thanks so much all of you for your help and support. I have now spoken to my local branch manager, who doesn't deal with arrears or anything but he seems to be their only competent person. He got onto the arrears support unit and escalated to a higher level and said they couldn't see what had...

Hi again all, I haven't been on in a while but got some help last year, so back again. Brief background: Entered MARP in August 2011, have complied with all arrangements, unlike the bank who are incredibly slow to respond to anything (see previous threads). Agreed a 12 month interest only from...

Thanks so much for that Gipimann - you're always so helpful on here and it's very much appreciated. I think where I'm confusing myself is by referring to spousal swap - this doesn't seem to apply at all - my husband has never had BTWEA - he just qualifies for JSA as business has been so awful...