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I was in France recently, both phones we had wouldn't connect to the internet. Contacted Tesco online chat who advised me how to add a different APN, worked fine after that.

I made the complaint based on the fact that I had the paperwork ready to go at home and EBS knew my plan to upgrade the BER. I had been in contact with them via email in September. Also I got AIP from BOI and told EBS I was going to BOI.

They originally refused the 2.1% and offered 2.6%, switching to the green was not an issue.

Thank you Paul, Got my BER upgraded to B3 around the time of the EBS rate increase, had to lodge a compliant but got switched to 2.1% fixed rate If EBS withhold the 1% Cashback I am due in 2027, I will go to the ombudsman.

Hi Paul, Can you have a look at our situation, new mortgage taken out in May, original plan was to move to AIB at the end of the fixed rate once I had the BER at B3. Current lender : EBS Outstanding mortgage balance : 215,000, I could reduce this figure to 200,000 to get a better rate...

Have you followed the steps below, I have found their escalations team helpful https://n.vodafone.ie/forms/consumer/customer-complaints.html

Switched mortgage twice, never asked for an engineers report

If you are happy with your current policy then try and keep it, I have switched mortgage twice with the same policy

Best contact Irish Life directly rather than asking PTSB about your current policy. I recently had to get replacement cover for a new mortgage, Irish Life underwriting are experiencing delays at the moment.

If it's a block policy via Irish life they should let you transfer it, I have switched with mine twice.

I switched a 66k mortgage to AIB in January 2019, no issues with the loan amount.

Thanks Brendan, new rate of 2.35% confirmed today.

I am open to correction but I remember from my time as a PTSB customer something about a 10k limit when it comes to overpayments being used as an account credit.

Not sure if this was mentioned before but EBS are moving to match BOIs cashback offer, https://www.ebs.ie/mortgages/back-in-cash

I ran into this issue this morning, very frustrating when I was offering the card as proof of PPSN. Anyway off to print a payslip!

I would of thought it would be salary/52/contracted weekly hours, that will get the hourly rate, the rest can be worked out from there.

Hi Brendan, PTSB rate was 3.8% variable KBC 2.9% fixed for one year

Just completed switch from PTSB to KBC, sent of the first lot of paperwork on June 15 and mortgage was drawn down on 31 August. Mortgage amount €70,000. Monthly repayment reduced by €25 (small saving but I wanted to leave PTSB) and term reduced from 21 years to 20 years. For the most part KBC...

I also have a current account with PTSB and have no issues with that account. My issue is with their mortgage offering for existing customers, new customers get offered a much better range of fixed mortgage rates, even their new mortgage payment loyalty program is for new customers only.

As a soon to be ex PTSB mortgage customer I would avoid, go with BOI.