Hi, I recently bought a house with a 100% mortgage from PTSB and also borrowed the deposit from PTSB with the understanding that it would be cleared off with the balance of the mortgage. I naively assumed PTSB would handle that. Just discovered last week however that a repayment was taken out of my account to start paying off the deposit which was never cleared. Money I shouldn't have had to pay and can't afford at the moment. PTSB are telling me that the solicitor is supposed to to have cleared the loan with the balance of the mortgage and the solicitor is saying that PTSB never sent the redemption figure for the loan. Who's responsible here and can I get my money back?