Can anyone help me with my query?. We received notification in August that we were part of the redress scheme and included with the documentation was the terms and conditions of our agreement at the time of our mortgage. The redress offer was ECB rate +3.25. I contacted the PTSB helpline and told them that we never received or saw the terms and conditions they had sent us in August 2015. I called into our local branch to see if they had any documentation referencing the terms and conditions but they didn't. I called the helpline again and asked for a copy of our signed acceptance of the conditions and dealing with 4 different people throughout August and into September I received 2 copies of the same documentation I had received back at the beginning of August, neither signed by myself or my wife.
Eventually I received a one pager with our signed acceptance of the mortgage terms and conditions but the date had been altered from November 2006 to the 10th of December 2006 and the alteration wasn't signed or dated. The printout date on the end of the Agreement issued at the beginning of August this year was 5th of December 2006.
It appears that the date was changed on our signed acceptance to fit in with the dates of the mortgage agreement document. At the time of applying for the mortgage (October 2006) we were told by the branch official that we would revert back to a tracker mortgage of ECB+1 at the end of our Fixed term.
What should we do now?. Have not appealed the decision of the rate offered yet.
Eventually I received a one pager with our signed acceptance of the mortgage terms and conditions but the date had been altered from November 2006 to the 10th of December 2006 and the alteration wasn't signed or dated. The printout date on the end of the Agreement issued at the beginning of August this year was 5th of December 2006.
It appears that the date was changed on our signed acceptance to fit in with the dates of the mortgage agreement document. At the time of applying for the mortgage (October 2006) we were told by the branch official that we would revert back to a tracker mortgage of ECB+1 at the end of our Fixed term.
What should we do now?. Have not appealed the decision of the rate offered yet.