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Please God this goes in our favour, I’m at the end of my theather with the lot of it!! I must be the unluckiest house buyer on earth nothing went in my favour, fixing at the wrong time to getting a restructure getting back on track to boom you are now with a vulture goodbye. I am paying more now...

If this couple win their case will this be good news for all who are being fleeced by pepper or any vulture fund?

I’ve tried got as far as a telephone call back from credit union their not offering mortgages in my area , tried ptab see if they’d take me back also I got an apologetic sorry.

Hi I don’t think a PIP would work for us as we both have good paying jobs, me only in the last while surely they go off income? we could afford to pay 2000k a month at a stretch, if our interest rate was half decent we would be able to make full payments plus extra off to chip away at the loan...

Hi I'm just here for a little advice , I'm with pepper former PTSB customer we have a split mortgage we're now paying 7.38% interest my payments have gone up immensely, i cant switch I'm still in negative equity amount on mortgage 305k house is worth 295/300 my question is do you think a bank...

Hay, so we got the letter ie ptsb washed there hands with me!! which i wasnt serprised as ive been following news and forums on here. I have a portion 111,000 split and paying full payments on other 200,000. I was quite suprised that its the whole mortgage that is being transfered i thought...

Hi I'm on a svr of 4.5 with ptsb in negative equity so no chance of switching would u suggest I switch to there fixed rates?? Never took them up on the mrv rates as I've been screwed over by this bank and didn't trust what they were offering!!!

Brendan I have my agreement for housing loan in front of me , it doesn't say anything about tracker , it says effect on amount of instalment of 1% increase in first year in interest rate : EUR 199.59 this is the amount by which the instalment repayment will increase in the event of a 1% increase...

Just read over your post there again Brendan just to make it clear I never had a tracker mortgage , bought my house in 2006 it was fixed for two yrs in Sept 2008 got the rates letter there was a tracker on it but I choose 5 yrs fixed. Whitch finished in 2013 and I wasn't offered a tracker so...

Wow do u think so Brendan?? Even though I choose fixed , can u guide me in what I should do , because about 6 mths before my fixed expired I rang ptsb to ask if I was intitaled to a tracker and I was told no.

Bought my house in 2006 was fixed for one yr, got the rates over breakdown letter , they had tracker but I picked 5yr fixed @ 5.5 that finished in 2013 rang them they said I wasn't intitled to go on tracker I'm on variable, oh God stop its absolutely sickening I can't even mention the word...

Moved from another thread I'm in the same boat as you niamh, did u get an answer to your post???