i had a tracker mortgage and i fixed for two years and when the fixed term was over it reverted to variable.The bank informed me i signed a form and i agreed to variable rate after fixed term.they made it feel like it was my fault.i bought it as a single person.then when i lost tracker we were living in my now husbands house.the house that had the tracker was in negative equity and we couldn't sell,so we rented it out.we took a second mortgage on his house as we had three kids and needed it to be converted to fit us all.we couldn't get a mortgage together. we have been in marriage counselling twice,he nearly commited suicide and i had a mental breakdown and can no longer work fulltime. then in 2014 when story started to hit headlines i wrote to the bank and outlined my story and the affect it has had on us as a family.then a year ago i started getting letters every 90 days updating me on the process. then recently i was asked to attend meeting with manager from Dublin who came to local bank to meet me.there is another meeting in a few weeks.I have since sold the house two years ago at a 60000 euros loss
i am attending meeting alone as i feel it was my house and i dont think our marriage will survive both of us stressed.it is ulster bank