First active offset t&c booklet

Monbretia

Frequent Poster
Messages
1,649
I have a copy of the First Active Personal Offset Banking Terms and Conditions. Part C is titled Offset Flexible Mortgage General Conditons (specific conditions are what is on the loan offer).

Under 'Available Facility' it says 'means any monies where there is a difference between the Faccility and the Total Borrowing and reresents the amount you can withdraw at any time subject to our approval'

Not sure if that is much of a help, there are about 24 pages in booklet. I can scan a relevant page and email it you later if you tell me what you are looking for, send me pm if you want. I know this product pretty well :)
 

Aamuser

Registered User
Messages
1
I have a copy of the First Active Personal Offset Banking Terms and Conditions. Part C is titled Offset Flexible Mortgage General Conditons (specific conditions are what is on the loan offer).

Under 'Available Facility' it says 'means any monies where there is a difference between the Faccility and the Total Borrowing and reresents the amount you can withdraw at any time subject to our approval'

Not sure if that is much of a help, there are about 24 pages in booklet. I can scan a relevant page and email it you later if you tell me what you are looking for, send me pm if you want. I know this product pretty well :)
Did you get the booklet. I have it if you still need it. My version is dated 4/2/2003

I have had huge problems operating this account since UB took over. The staff just don't seem to be trained in this product.

Having said that you do seem to be asking a lot. The mortgage is secured against the original property, if you sell it it is not unreasonable that they want you to redeem the mortgage.

But you never know. UB haven't a clue when it comes to this product.

When trying to withdraw funds under the facility arrangement I have (seriously) stood blocking the doorway of my local branch and shouting for all to hear that i wouldn't leave until I got my money.

Instead of calling the guards, they agreed to release the money and I subsequently got an apology and compensation for the delay. That was 3 years ago.

Just recently I withdrew some more money from this account. They sent me about 6 BS letters asking for stuff they were not entitled to or I had already sent them. It took them 6 weeks to make the transfer. I fully expect to be compensated for this delay as well.

Sorry just wanted to get that off my chest.
Hi Cremeegg - Do you still have a copy of the offset t&cs? We are looking to move home and have a FA offset facility account, be really helpful if I could get a copy. Thanks.
 

johnnyjt

Registered User
Messages
1
Hi,
Do you still have the booklet? I am in the process of trading up and want to check the exact details of my rights in regards to keeping my tracker rate.

Thanks
 

Brojo20

New Member
Messages
1
Hi Monbretia
Late to the party but also looking for a copy of the T&C booklet. Could you email me a copy? I am new on here and cannot pm you. TIA
 

Monbretia

Frequent Poster
Messages
1,649
Which part are you trying to check? There are 24 pages in booklet, most of it just general stuff.
 

scatmanjohn

New Member
Messages
2
Hi
I am also trying to get a look at the t&cs booklet 2003 as I am getting nowhere with Ulster Bank. I am interested particularly in the Home Move section. Any help would be really apprectiated.
 

scatmanjohn

New Member
Messages
2
Thank you for looking for me cremeegg.

I guess I'll just have to persevere with Ulsterbank. Currently waiting on them to get in touch with someone familiar with this mortgage to give me a call.
I'm in the same situation as the OP. Would love to know how they got on in the end, but the post is 6 years old.
 
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