Can anyone confirm by their online account that their PTSB tracker mortgage has reduced. Just checked mine and the rate has not decreased yet eventhough the message on their website states that it will be reflected in accounts by the 5th November.
I rang PTSB and the initial, automated response repeated their commitment to reducing rates on 7 November and 5 December but did not mention if the first reduction had been implemented (not in my case). I continued to hold for 15 minutes and gave up.
Perhaps their call centre is snowed under with calls from people who, like me, have not received the first interest rate reduction.
My previous post explains why you may have not received reduction. It takes 16 days to implement it but as you are paying the old rate for an extra month, more will be paid off your overall interest. It is similar to reducing your term slightly.