Hi, I have a mortgage with Bank of Ireland, I sold the property with a shortfall and offered to transfer the shortfall to a property I had inherited and moved into. The process took over 2 years, short version is I did the arrears process 4 times due to different issues with the bank (not me), I had a breach of data confidentiality, delays, etc,. they even applied the fixed rate penalty for me "partially" breaking out of the fixed rate early 4 months after the sale of the house was completed and sent me out 5 letters in 3 months stating changes to my account and not to mention each change to my account was down to their doing, even though the letters all stated "We have made changes to your account on your request......" I finally made a complaint - 4 pages of a complaint, 6 pages of detailed phone calls, 10 pages of emails...... They have come back and on most points (bad communications, data breach, applying fixed penalty) they have owned up and said they were wrong and have put measures in place, are changing their letter wording, etc., They've offered to take the fixed penalty fee (approx. 2.5k) plus pay for my solicitors fees (another 2k). If I agree, I'd have to continue with the transfer of the shortfall onto the deeds of my house and pay the remaining 36k over 3.5 years. My question is, I was only expecting apologises, so was going to go to the Financial Ombudsman anyway, but the fact they've made some sort of offer, should I accept and leave it or go to the Ombudsman? Will I lose the 4.5k they've offered if I do go to the Ombudsman?