Long story short, co-borrower (father) died in 2011, approached bank in 2013 for assitance for a period of time to get myself back in my feet. This was refused and after a lot of time wasting, eventually arrived at a PIA in 2016 that involved the bank getting my house, they wouldn't accept any other setup.
As I was liable for all the debt after my Fathers death, the write off was due after I was released from the PIA. Finally got that cleared in Jan this year but checked my mortgage account and noticed it was still open and active (Interest being applied, TRS was being claimed too).
I contacted the bank and they have announced that as I have a (deceased) co-borrower on the account, it will never be closed so the write off won't happen. The PIU also refuse to speak directly to me, only to a PIP I no longer have dealings with.
This makes my PIA null and void if you ask me.
Oh and the kicker is I'm also waiting on a response in relation to the tracker redress appeal, I feel like I shouldn't have lost the house at all.
Any ideas anyone? I feel this is bigger than just a few errors of admin on their part. (AIB btw).
As I was liable for all the debt after my Fathers death, the write off was due after I was released from the PIA. Finally got that cleared in Jan this year but checked my mortgage account and noticed it was still open and active (Interest being applied, TRS was being claimed too).
I contacted the bank and they have announced that as I have a (deceased) co-borrower on the account, it will never be closed so the write off won't happen. The PIU also refuse to speak directly to me, only to a PIP I no longer have dealings with.
This makes my PIA null and void if you ask me.
Oh and the kicker is I'm also waiting on a response in relation to the tracker redress appeal, I feel like I shouldn't have lost the house at all.
Any ideas anyone? I feel this is bigger than just a few errors of admin on their part. (AIB btw).