I have had a mortgage with Start Mortgages since Sept 06 which was originally set up to be paid by direct debit from my partner's Bank of Ireland current account. In Nov 06 he switched his account to permanent TSB and we cancelled our direct debit and started paying by bank transfer. Everything was fine until March 07 when we got a letter from Start saying that our direct debit was rejected due to insufficent funds. I rang them and told them we had paid them by bank transfer and they found the payment 2 days later.
Long story short, I got my 12 month statement from Start which has a "Late Direct Debit Return". Due to this we have been refused a remortgage as we are trying to switch mortgages at the moment (paying 8.050% interest with Start). The unusual thing about this is that they tried to take the DD from my partner's new account which we did not authorize with a DD mandate form, so Start somehow got my partner's new PTSB account details. Has anyone had a similar experience? Is this legal!
It is a bit coincidental that in Feb/March we were trying to switch our mortgage when all this happened!!
Long story short, I got my 12 month statement from Start which has a "Late Direct Debit Return". Due to this we have been refused a remortgage as we are trying to switch mortgages at the moment (paying 8.050% interest with Start). The unusual thing about this is that they tried to take the DD from my partner's new account which we did not authorize with a DD mandate form, so Start somehow got my partner's new PTSB account details. Has anyone had a similar experience? Is this legal!
It is a bit coincidental that in Feb/March we were trying to switch our mortgage when all this happened!!