I have an interesting one - I got a mortgage with UB in 2005, fixed half the mortgage in 2007 for 2 years, kept the other half on a tracker (I was overpaying it). Put on SVR when fixed period ends. However, in the period, I moved out of the apartment and started letting it out. Never informed the bank, but am fully tax compliant (registered with PRTB, annual returns, TRS terminated, NPPR paid, etc).
So - do you think I will be part of this review? I am concerned about contacting UB about it in case they kick me off tracker that remains on half my mortgage.
My other question is in relation to tax, if I get a redress, I will have essentially over-claimed Interest as an expense on my tax returns for 2009-2016. Will I need to get in touch with revenue to pay additional tax?