I took out a mortgage with PTSB in 2007. The offer rate (agreed via email) and actual rate charged (on signed contract) was 0.2% difference. I raised this with PTSB recently and they refused my appeal as the rate being charged is the rate signed in the contract.
Yes, if ptsb has issued you a final decision, you can make a complaint to the Ombudsman.
Is it as simple as you state?
Why did they change the rate? Usually the margin only holds for a limited time and the margin for your loan to value may have been different by the time of drawdown.
Yes, if ptsb has issued you a final decision, you can make a complaint to the Ombudsman.
Is it as simple as you state?
Why did they change the rate? Usually the margin only holds for a limited time and the margin for your loan to value may have been different by the time of drawdown.
Yes it was as simple as I stated. I was in the middle of a self-build and with the craziness of 2006/2007 building boom and with holding down a full-time position and young child, I was a bit sloppy when signing the mortgage contract. The LTV at the time was 40% or so as I had a significant deposit to complete the first 4 stage payments.
Correct. Took approximately 2 months or so to resolve between Ombudsman and PTSB. Found the entire process very straight forward and my interactions with the Ombudsman were very positive.
Correct. Took approximately 2 months or so to resolve between Ombudsman and PTSB. Found the entire process very straight forward and my interactions with the Ombudsman were very positive.