I took out a mortgage with PTSB last year and i forgot to send off tax form for interest relief.I eventually sent it off and after a couple of months the relief began to be paid into my account.When i contacted the revenue about the refund due for the months i had missed they informed me that they had sent payment to PTSB 3 months before.PTSB have a policy that they sit on this money until you contact them looking for it .In my case it was 600 euros which they had for 3 months until i contacted them.While i know there is nothing illegal about this i wonder how much they are holding on to for there customers?When i rang PTSB about this they said it was normal practise to wait for the customer to contact them about the refund as it is your money and we cannot pay it to you without you requesting it .Is it me or does this sound like sharp practise