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  1. P

    Should posters on askaboutmoney be non-judgemental?

    If a comment is deemed anappropriate, then delete it. Point out why deleted in a polite manner. Simple.
  2. P

    PTSB Ombudsman rejects ptsb 3.25% prevailing rate complaint

    Is it on expiry of discount period? Ie: the discounted margin was 0.75% then reverted to ecb + 2.25%
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    PTSB Ombudsman rejects ptsb 3.25% prevailing rate complaint

    Hi, Whats the 2.25 cohort and the issue they have?
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    Not happy with Appeals Panel award. Is it worth going to the Ombudsman?

    As I understand it, you can lodge your redress cheque without prejudicing your ability to appeal? My wife appealed her award to CB panel and got zero extra. I put argument together and went to fspo and ended up achieving a fair outcome involving 25% additional payment. This was achieved...
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    PTSB Ombudsman rejects complaint on ptsb discounted tracker

    Did PTSB issue an options letter close to end of discount period? Did u select a non-tracker rate at that juncture?
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    PTSB Ombudsman rejects complaint on ptsb discounted tracker

    Hi Hohoho, What was the basis of your appeal? Did PTSB issue a "rate options letter" near the end of your discount period?
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    Pension Fund Allocation

    Quick observation. IFunds and Goodbody are both Actively Managed. I believe a passive fund should be utilised in your mix. Prime range are Passive funds with lower management charges.
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    PDH and rented property loans both managed by Pepper : different owners of debt / data protection breach?

    Hi, I have been dealing with Pepper on a loan relating to a rented commercial unit recently and submitted detailed proposals in relation to that debt. Having not heard back from them for several weeks, I rang to enquire the safe receipt and status of my proposal only to learn they had not...
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    More than 1,200 tracker-mortgage complaints await ombudsman ruling

    My case went adjudication end of Oct 2019. Told it will be March or April for prelim decision.
  10. P

    More than 1,200 tracker-mortgage complaints await ombudsman ruling

    They add that prelim decision will issue by end March/April....
  11. P

    More than 1,200 tracker-mortgage complaints await ombudsman ruling

    Hi.... So update on my case from fspo is that its "at an advanced stage in adjudication process" and "preliminary decision will issue shortly". Can I read anything into such feedback whatsoever?
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    Expiry of fixed rate on former PTSB mortgage (Glenbeigh)

    Hi, On expiry of a fixed rate period, how does Glenbeigh Securities calculate the variable rate to apply on the mortgage? Is it with reference to PTSB's published Standard Variable Rate? Are borrowers denied a chance to enter into a fixed rate at more preferential rates?
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    PTSB interest-only buy to let

    I should add.. its a "buy to let" interest-only tracker mortgage.
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    PTSB interest-only buy to let

    Hi; 11 years ago, when purchasing a new home, PTSB agreed to switch my 1st home loan to an interest only facility with the full balance repayable on maturity (buy to let, interest only). I have rented the house and serviced interest only since then with intention to sell the house when it suits...
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    PTSB Ombudsman rejects complaint on ptsb discounted tracker

    Hi Brendan, Thats the "rate options form" that accompanied the "options letter". I note my error in not noticing the variable rate was 0.2% lower on that options form tham the tracker. By June 2008 the difference was 0.6% between Variable Rate and 3.25% tracker margin. I am noting the fspo is...
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    PTSB Ombudsman rejects complaint on ptsb discounted tracker

    I read through this decision in detail today. In my opinion, the complainant did not evidance that they had an understanding from PTSB of a specific margin that was to be applied rather than the 2.25% margin that was applied from month 13. As such, Special Condition 9 is all the FSPO can go...
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    Ombudsman: "Error on the ESIS does not entitle the borrower to a tracker"

    My complaint awaits adjudication by FSPO. In its responses, my lender made reference to the ESIS wording to support its argument.... My argument focusses on what the Letter of Offer (special Condition) says.
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    PTSB PTSB 1 year discounted tracker - Central Bank has deemed them not impacted.

    The guidance they gave was 6-12 months from November 2019. Remember everything had been on hold with CBI Tracker Review up to H1 2019.
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