Folks
Some info needed please with this sensitive subject .
Sadly my wife has died a couple of weeks ago .We have a PTSB Mortgage in both our names .
We have life cover for the amount of the mortgage arranged by PTSB when we did a re-mortgage around 2008 . I called into the PTSB branch office in my town and they just said I needed to bring them up the Death Cert and they would send it to head office who would look after things from there .Not very helpful there and had to converse with the staff member at a podium 6 inches away from the lodgement Q :-( As it was a sudden death we still need to get the full PM Report from the Coroner,in the meantime he gave us an interim report which just basically said she had died .I've been told by our local GP that this could take 6 to 9 months before it is issued so a death cert will take that long ! I've been told and was always under the impression that if one party in a joint mortgage dies then the load effectively dies .Can anyone enlighten me on this one .
Also are PTSB likely to try convert the mortgage from a tracker to a variable or is this a mute point is the load is dead . It's not something we ever really envisaged but were just looking forward to 6 years time when it was due to end ,,,you never know whats around the corner :-(
Any thoughts advice gladly received .
B
Some info needed please with this sensitive subject .
Sadly my wife has died a couple of weeks ago .We have a PTSB Mortgage in both our names .
We have life cover for the amount of the mortgage arranged by PTSB when we did a re-mortgage around 2008 . I called into the PTSB branch office in my town and they just said I needed to bring them up the Death Cert and they would send it to head office who would look after things from there .Not very helpful there and had to converse with the staff member at a podium 6 inches away from the lodgement Q :-( As it was a sudden death we still need to get the full PM Report from the Coroner,in the meantime he gave us an interim report which just basically said she had died .I've been told by our local GP that this could take 6 to 9 months before it is issued so a death cert will take that long ! I've been told and was always under the impression that if one party in a joint mortgage dies then the load effectively dies .Can anyone enlighten me on this one .
Also are PTSB likely to try convert the mortgage from a tracker to a variable or is this a mute point is the load is dead . It's not something we ever really envisaged but were just looking forward to 6 years time when it was due to end ,,,you never know whats around the corner :-(
Any thoughts advice gladly received .
B