1eyeonthefuture
Registered User
- Messages
- 85
Recently moved over from UB.
Last year obtained a mortgage thru UB for trade up @ €500k plus.
Following reassessment of our needs we decided to do an extension.
Contacted PTSB prior to Xmas in order to make new application for extension works, basically a top up which would run along side existing mortgage at applicable rate. Spoke with mortgage specialist who would be handling application etc a couple of times.
We easily qualify for the amount (sub €200k)
Sent in all of the required docs including new application etc in the first week of Jan.
Since then have been chasing updates etc... Yesterday I complained about the delay on what was a relatively simple topup application for which we easily qualified and these delays were costing us money given the recent rate increase etc etc..
... the mortgage specialist confirmed that she had sent the case back to the underwriter for re approval.
I replied that I wasn't aware it was approved in the first place and same had not been communicated to me.
The specialist replied that I had misunderstood the situation and that my application wasn't for a top up but for re approval of the €500k mortgage.!!
This is a mortgage that I had never discussed with her and had been made with a different financial institution completely.
Since then radio silence and no comment on the above from the specialist.
So basically nothing has been done on the application made, the specialist has completely dropped the ball and I'm left counting the cost.
Have I any options.
Also had the specialist any right to access info contained in previous application etc etc??
Am completely vexxed that the ineptitude here has cost me months.
Last year obtained a mortgage thru UB for trade up @ €500k plus.
Following reassessment of our needs we decided to do an extension.
Contacted PTSB prior to Xmas in order to make new application for extension works, basically a top up which would run along side existing mortgage at applicable rate. Spoke with mortgage specialist who would be handling application etc a couple of times.
We easily qualify for the amount (sub €200k)
Sent in all of the required docs including new application etc in the first week of Jan.
Since then have been chasing updates etc... Yesterday I complained about the delay on what was a relatively simple topup application for which we easily qualified and these delays were costing us money given the recent rate increase etc etc..
... the mortgage specialist confirmed that she had sent the case back to the underwriter for re approval.
I replied that I wasn't aware it was approved in the first place and same had not been communicated to me.
The specialist replied that I had misunderstood the situation and that my application wasn't for a top up but for re approval of the €500k mortgage.!!
This is a mortgage that I had never discussed with her and had been made with a different financial institution completely.
Since then radio silence and no comment on the above from the specialist.
So basically nothing has been done on the application made, the specialist has completely dropped the ball and I'm left counting the cost.
Have I any options.
Also had the specialist any right to access info contained in previous application etc etc??
Am completely vexxed that the ineptitude here has cost me months.