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Would it make sense to file a complaint with UB now? As it seems it was the First Active who refused them with a variable rate in Dec'08.

The image is not showing to me, but if you right click -> open in new tab it should work.

[broken link removed] Here is a Special Conditions page. It doesn't mention a margin too. The offer was issued on the 21st October'08 stating the interest rate of 6.25%, the margin of 1.15% would have made sense should the letter has been issued in December (December's svr of 5.1% + 1.15%). The...

Just to clarify the last image taken is of the Annual Mortgage Statement sent on 02/12/2009 by Ulster bank. The first two images are the original loan offer from first active.

I will reply on Olexiy's behalf whilst he is busy: Thanks Montbretia for clarifying this. We are now quite suspicious there was some mistake made during the merge from FA to UB, can someone please take a look? The original Loan Offer has the following details: Loan Type: TPI FLexible...

Thanks for all the advices given here.

Thanks for the advice, Brendan, much appreciated. It was 90% mortgage, they paid €33,000 deposit and took €332,000 loan. I will tell her to set up an appointment with the mortgage advisor,

Thank you, dub_nerd. The rate is extremely high, particularly because of this 1.15% added to their SVR for some reason. They would be happy to go on at least 4.5%, maybe.. Would Ulster Bank agree on it?They're considering increasing a monthly payment by a few hundreds to get out of NE as early...

Posting on behalf of my friends. I've seen great advice here and they are in need of same. They bought their detached house in 2008 for €365,000, with loan part of it being €332,000 for 35 years with Ulster bank. The amount of loan outstanding to day is €309,000 and a house in the neighbouring...