@todo - they changed the address on my account to some one else's address in Harold's Cross and then sent out the decision on letting me sell the house - a type of letter of offer I suppose. It was only when I approached them to state they were in breach of the Central Bank's code of conduct by not sending me out the decision in writing that they gave me the Harold's Cross address over the phone and insisted I had changed it??? I made a complaint at the time, they said it was accidental and they had reporting the breach to the Data Protection Commissioner and contacted the people at that house, who had told the bank that they didn't open the letter and had shredded it. It basically had all my info, my home address, my new home address, my mortgage account number, how much I owed, my husband's details, my contact details, my bank details and the repayment schedule.
@Brendan Burgess - my solicitor deals with house sales only, so she wouldn't advise me. Just told me to speak to the bank directly. Hence I posted here for advice.
Thanks to everyone for their advice.
Ideally, as it's just over 36K of a shortfall to be a 5 year loan instead of applied to the house (although looking at the interest rates, I might be better off with a 3.5 year mortgage!) I did make the argument in my complaint that on their website, they don't set up mortgages for any less than 5 years, but they didn't respond to that (it was one line in over 4 pages of a complaint!)
In addition, I see on their website that if the LTV is less than 60%, my interest rate should be 3.5%, but they've informed me it's 4.5%
Would I be better off to email the person who dealt with the complaint and put this to her?