Brendan, there were many situations where for the purposes of speed a personal loan would be drawn down in a day whereas applying for a top up on a mortgage could take a lot longer.
To thedaddyman,
The loan is at a 9.97 % , our mortgage is at 1.3% over 25 years ! In essence, that alone, should prove that we are telling the truth.The difficulty is to prove it .We are meeting with our solicitor next week so I really appreciate your comments on this matter.
I can't understand why there is no compromise being reached here. Has anyone picked up the phone and spoken with an involved bank official? FSO and Court are all very well but from my understanding of the situation the OP is relying on a verbal promise which is disputed. Talk is much cheaper that solicitors fees!!Just an update, we are still waiting to hear from FSO after a letter from our barrister was sent to them regarding the request for an oral hearing .He doesn't think that we will get anywhere near a solution with them and that the next move will be taking BOI to court regarding the loan. Nobody is getting stress over it but us ! Thank you.
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