This would be an interesting discussion in its own right - is it treated as similar to a split mortgage? Does it have its own mortgage account? Can you have two different fixed rates & periods on it? I have never done a top-up, but would be interested in how clean the banks are in differentiating between the two.
Interesting - I wonder what other banks do in this case?I think KBC do a sub reference eg. Account 345678 - 2 loans 345678/1 & 345678/2.
Was your application made before the 11th of Feb 08not 100% but early
Surreal is Good, congratulations PeemacSurreal is the only way to describe it.
That's great Raglan. Appeal the compensation amountCongrats Peemac....I too received letter Friday. Very happy to be back on tracker, Happy with redress amount, mortgage adjustment , €650 legal cost cheque, a bit disappointed in compensation amount which is about 13%, or over the 8.5 years we were waiting works out at about €50 each month for unnecessary stress and all the stuff that went with that stress etc....and a failed FSO case too but KBC letter now admits they “made an error” . TVM about 4%. Compensation is specific to each customer. Never thought this day would come at times, but it has taught me so much too but thank God for Padraic Kissane and his team and others who worked tirelessly on this. I will be contacting his office to send a cheque to thank them or if they don’t accept making a donation to charity instead. Hope everyone else gets sorted soon.
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