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Hi oakie2015 we also got our tracker restored 1.1% above ECB. We did not appeal. We have subsequently sold our house and moved to a different home for the same reasons as we had outgrown same. We kept our tracker mortgage with PTSB but they have a product called Portable Tracker which...

24th April 2007 - 3 years fixed. Rate 1.1% above ECB.

Hi Suz2015 my error this time not PTSB:D 950.00 was mortgage payment from our a different bank, forgot that our rate had dropped so I thought we got 3 payments when in fact the 950.00 was just our own money going in to pay mortgage. My figures are slightly different than the letter, I got...

I got mine this morning, compensation and refund of overpayment, I phoned yesterday and they said it was processed on their system Tuesday. I received three payments from them, one is in the sum of €950.00 - not sure what that is about. Anybody else receive it in three payments rather than two?

Defo right line, the guy I spoke with was fine, they received my forms and told me all that about the 7 working days and that it was to issue this week but because mortgage payment was being taken out during this time i.e. 19th it cannot do two requests at once, must be four days clear - there's...

I just phoned PTSB as I have not received our refund or compensation. I posted this on the 7th August. Confused as ever with this bank, spoke with somebody who confirmed that only one thing can be processed at a time with mortgage accounts and because our mortgage came out on the 19th August no...

Great thanks for info i sent mine on the 7th nothing yet.

Goolygal i too would send backs forms even if i was appealing!

Aam user im confused by prepayment what is that? Ur amount of repayment is reduced because after u sent back ur form and they reduced the sum of ur mortgage that in turn then reduces your monthly payment as the balance outstanding on your mortgage is a couple of thousand less.

Im the same as Sadie31, got my tracker back as per Letter of Offer so happy enough. Don't really want to drag it out either, has consumed enough of my time!!

Your not returning a letter sarenco its two forms of instruction, one for refund to be paid to bank of choice and one to either stay with variable or chose tracker, maybe im wrong but they appear fairly clear and simple!

Would u go to media with your story irishss??its an insult really!

Wardy7 i feel for u and all the other people who have been put on the higher rate, i really hope padraic will be able to help ye out.

God thats some difference alright. Its a wonder how letters of offers thst issued at the same time had such a vast difference in the rates. Had u made a complaint to FSO wardy7?

1.15% . My letter of offer was 1.1% above ECB

Finally its here ....... mortgage was originally €252k for 30 years. Broke fixed jan 09, was due to expire in july 2010, have been overpaying five years. €11k taken off loan balance, €24,455 refund overpayment and €3,883 compensation. Im happy with this.

Hi kiffagirl im literally sitting at my front door waiting for the postman. Rang ptsb yesterday they had it on screen wouldnt give me details but hope it arrives today

Hi bronte. I phoned our branch in jan 2009 to see how much penalty it would be to break fixed, we were 5% fixed. Was told there was no penalty we were just to send in a FAX stating we wanted to go on variable rate which we did because at the time my husband was not working. We were not given any...

God fuzzy10 thats very disheartening to hear! As per Kiffagirl what was your original case? When did you take out your mortgage and when did you break fixed term? Had you phoned the back the past two weeks to see if you were part of the investigation?

Point taken diver i havnt read peteb's previous posts but i will do so. My point was not about compensation, i am well aware that is not the norm with banks but i have been fighting this long and hard and thats the point im making, it has not been easy!