blueeyes79
Registered User
- Messages
- 6
Hi,
I am hoping that somebody can help me. I have my morgage with Danske Bank (NIB) started the morgage in 2007, signed up for a LTV tracker with the first 5 years fixed. The fixed rate fell off in March 2013 and the bank automatically put us on a variable at a higher rate than the fixed was. We do not owe a lot and I fought with them to put us on our originaly tracker. After loads of fighting with them, requested under the data protection for our entire morgage file they have finally admitted that they should have changed us to our original tracker.
My problem is they owe us a little refund and they are now saying the following -
A- they won't give us back 20 days interest, only the interest from when I contacted them advising them I figured out they made a mistake?
B - They are now requesting a recent evaluation of our property so that they will give us the worse rate as they know its a recession and our home is worth less than it was in 2007. My issue is if they didn't make the mistake to begin with wouldn't look for an evaluation at all, it would have just switched over?
Can someone tell me what I should do next as they are sending out documents which they want us to sign as they say they lost the originals.
I do have copies of my morgage file but you would need to be a barrister to understand them.
Thank you for reading, I would really appreciate your help.
Blueeyes
I am hoping that somebody can help me. I have my morgage with Danske Bank (NIB) started the morgage in 2007, signed up for a LTV tracker with the first 5 years fixed. The fixed rate fell off in March 2013 and the bank automatically put us on a variable at a higher rate than the fixed was. We do not owe a lot and I fought with them to put us on our originaly tracker. After loads of fighting with them, requested under the data protection for our entire morgage file they have finally admitted that they should have changed us to our original tracker.
My problem is they owe us a little refund and they are now saying the following -
A- they won't give us back 20 days interest, only the interest from when I contacted them advising them I figured out they made a mistake?
B - They are now requesting a recent evaluation of our property so that they will give us the worse rate as they know its a recession and our home is worth less than it was in 2007. My issue is if they didn't make the mistake to begin with wouldn't look for an evaluation at all, it would have just switched over?
Can someone tell me what I should do next as they are sending out documents which they want us to sign as they say they lost the originals.
I do have copies of my morgage file but you would need to be a barrister to understand them.
Thank you for reading, I would really appreciate your help.
Blueeyes