L
legend99
Guest
heres a nice story to warn you off PTSB. Got the letter before Xmas saying discount rate wass up. best rate offered on the letter of options was their variable rate of 3.55%.
No mention of any tracker rates.
having read in the tribune that they had made trackers available to current customers but that they were not telling them, I rang up. Because my initial amount had been 250k at time of draw down(that is before the 12 months discounted montly payments) I was told i qualified for the 3.1% tracker. iwas asked to put this in writing which i did. Nice of them to offer me 3.55% while I was entitled to less.
Got a call a few weeks later to say they would not give me 3.1% as the current balance had to be the 250k, didn't matter how much original drawdown was. By the way, as I check today the outstanding amount is 246694.85(98.67% of 250k).
I made my feelings very clear regarding being offered the best they could do, 3.45%, the tracker for amounts less than 250k.
I refused, pointing out that i had already been informed I qualified for the 3.1%. Lets just say the service manner offered to me was not exactly helpful. I told them, which is true, that my sister is a solicitor and that i am be waving goodbye unless they honour what the offered. She said to leave it with her.
As she didn't have the manners to ring back, I again had to ring them. Again i have been told basically tough. Again, the first person I talked to told me I did qualify. Again, when he chased it through and rang me back he had been told to tell me the same message. At this point I have begun the process of moving.
Moral of the story, ignore the great PermanentTSB ads running on TV at the moment. When i chedked the online mortgage calculator I see that where I to stay full course, the total interest would be well over 150k. So I'm just glad that they don't feel they need my business.
This is not the bank to get on with.....
No mention of any tracker rates.
having read in the tribune that they had made trackers available to current customers but that they were not telling them, I rang up. Because my initial amount had been 250k at time of draw down(that is before the 12 months discounted montly payments) I was told i qualified for the 3.1% tracker. iwas asked to put this in writing which i did. Nice of them to offer me 3.55% while I was entitled to less.
Got a call a few weeks later to say they would not give me 3.1% as the current balance had to be the 250k, didn't matter how much original drawdown was. By the way, as I check today the outstanding amount is 246694.85(98.67% of 250k).
I made my feelings very clear regarding being offered the best they could do, 3.45%, the tracker for amounts less than 250k.
I refused, pointing out that i had already been informed I qualified for the 3.1%. Lets just say the service manner offered to me was not exactly helpful. I told them, which is true, that my sister is a solicitor and that i am be waving goodbye unless they honour what the offered. She said to leave it with her.
As she didn't have the manners to ring back, I again had to ring them. Again i have been told basically tough. Again, the first person I talked to told me I did qualify. Again, when he chased it through and rang me back he had been told to tell me the same message. At this point I have begun the process of moving.
Moral of the story, ignore the great PermanentTSB ads running on TV at the moment. When i chedked the online mortgage calculator I see that where I to stay full course, the total interest would be well over 150k. So I'm just glad that they don't feel they need my business.
This is not the bank to get on with.....