Key Post PTSB has just informed me that they have sold my mortgage to Glenbeigh/Pepper

Discussion in 'Mortgage arrears & negative equity case studies' started by Duff123, 5 Dec 2018.

  1. USER1981

    USER1981 Registered User

    Posts:
    18
    Ive sent off updated sfs to ptsb to see what they come back with. Hoping they will let me go back to near full payment. If this is case I'm sure I'll have no issues with dealing with Pepper in future??
    Would i be correct.
    Ive never missed a payment since restructure and original had a small arrears on it so I restructured to get back on track.

    Also got my statement off ptsb today. It's offering fixed at 3.5%. Or MVR. Which is better option seeing as I'm being sold should I go fixed for some security.
     
  2. Duff123

    Duff123 Registered User

    Posts:
    14
    Hi User1981
    None of us know what Pepper will be like to deal with. The plan for us going forward is pay as agreed, always engage, everything in writing and stay out of arrears. Eventually in time we hope to pay full mortgage repayment and hopefully find another bank to give us a mortgage once ICB record repaired. We have fixed for 3 years, give us time to put plan together. Try not worry... Hopefully all of us who were sold will be fine..just keep engaging.
     
  3. USER1981

    USER1981 Registered User

    Posts:
    18
    Anyone know how long it takes PTSB to review sfs. I sent one away 2 weeks ago to see could I increase monthly payments before changeover they do transfer to pepper.