Original A
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I'm a first time poster, so my apologies if my post is a little confusing.
My husband and myself drew down on our joint mortgage with First Active in 2005. This mortgage was taken on by Ulster Bank around 2008/2009.
In 2012, we ran into some financial difficulties. We contacted Ulster Bank immediately and that's when it all started to go wrong. The list of issues are extremely long and I'm starting to realise that it's extremely difficult, as a lay person with no legal/financial background, to accurately explain the (still ongoing, eight years later) issues we're having with the bank in terms that the Ombudsman's office will take seriously.
The issues include:
1.Unauthorised direct debits taken from our account after direct debit had been cancelled and new repayment arrangements had been made.
2.Repeated discrimination against my disability. I am severely hearing impaired and despite being notified many times, in writing, not to call me, the bank have persisted in attempting to call me and then accusing us of not cooperating because I haven't taken the calls.
3. Significantly delayed responses from the bank, causing our mortgage account to go into arrears on several occasions. These were the only times our account was ever in arrears
4. Refusing our requests to avail of a lower interest rate (which was available to all customers) based on a ridiculously low "drive-by valuation" carried out by the bank.
These points represent just some of the issues. We finally lodged a complaint with FSPO in July 2019 and are just now getting to the informal stage of the process. Ulster Bank are still engaging in their behaviour of pushing us to respond within days and then taking six weeks to respond to us.
Any advice from anyone would be appreciated. I am, quite frankly, out of my depth.
My husband and myself drew down on our joint mortgage with First Active in 2005. This mortgage was taken on by Ulster Bank around 2008/2009.
In 2012, we ran into some financial difficulties. We contacted Ulster Bank immediately and that's when it all started to go wrong. The list of issues are extremely long and I'm starting to realise that it's extremely difficult, as a lay person with no legal/financial background, to accurately explain the (still ongoing, eight years later) issues we're having with the bank in terms that the Ombudsman's office will take seriously.
The issues include:
1.Unauthorised direct debits taken from our account after direct debit had been cancelled and new repayment arrangements had been made.
2.Repeated discrimination against my disability. I am severely hearing impaired and despite being notified many times, in writing, not to call me, the bank have persisted in attempting to call me and then accusing us of not cooperating because I haven't taken the calls.
3. Significantly delayed responses from the bank, causing our mortgage account to go into arrears on several occasions. These were the only times our account was ever in arrears
4. Refusing our requests to avail of a lower interest rate (which was available to all customers) based on a ridiculously low "drive-by valuation" carried out by the bank.
These points represent just some of the issues. We finally lodged a complaint with FSPO in July 2019 and are just now getting to the informal stage of the process. Ulster Bank are still engaging in their behaviour of pushing us to respond within days and then taking six weeks to respond to us.
Any advice from anyone would be appreciated. I am, quite frankly, out of my depth.