A
almadden
Guest
Hi Guys
Like everyone here we’re trying to get a handle on our finances. Last Nov 08 we refinance a BOI loan for €37,000 over 4 yrs variable. It was all sorted for us with a 15 minutes meeting with our local manager.
In the last few months we have found it hard with the €927 per month payments on the loan. So in the last week we have gone back to try and reduce the monthly payments. Spread the loan over a longer term.
It has been 10 days now since I applied to have the same amount refinanced over a longer term and still no word back. I rang the manager a few times and she’s never available. The last call I could hear her in the background telling the person on the phone that she would contact me when she had heard back from them.
I realize that the whole recession and banking thing has happened but my myself and my wife’s wages are still being paid into our account as they have been over the last 3 years. We are just trying to free up a bit of cash that we can use to pay off a credit card we have.
Has anyone else found that the banks have become so unfriendly and helpful.
How long should it take to have the refinanced loan Approved / Disapproved?
Like everyone here we’re trying to get a handle on our finances. Last Nov 08 we refinance a BOI loan for €37,000 over 4 yrs variable. It was all sorted for us with a 15 minutes meeting with our local manager.
In the last few months we have found it hard with the €927 per month payments on the loan. So in the last week we have gone back to try and reduce the monthly payments. Spread the loan over a longer term.
It has been 10 days now since I applied to have the same amount refinanced over a longer term and still no word back. I rang the manager a few times and she’s never available. The last call I could hear her in the background telling the person on the phone that she would contact me when she had heard back from them.
I realize that the whole recession and banking thing has happened but my myself and my wife’s wages are still being paid into our account as they have been over the last 3 years. We are just trying to free up a bit of cash that we can use to pay off a credit card we have.
Has anyone else found that the banks have become so unfriendly and helpful.
How long should it take to have the refinanced loan Approved / Disapproved?