Danske Bank Closure

DingDing said:
Looks like pepper could be charging for this in the future.

[broken link removed]
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Given that I have no contractual relationship with Pepper, how can they charge fees to me?

What happens if I refuse to pay the fee at the end of the mortgage term?
 
DingDing,

Danske already charges for the legal costs associated with clearing a charge/mortgage. I was in touch with them earlier in the year and I think the figure was €75 to have my documents given to either me or my nominated solicitor.
 
A question please:

On the SEPA direct debit mandate form that Danske sent me ( as they are closing their current accounts) it states
" As part of your rights, you are entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited. Your rights are explained in a statement that you can obtain from your bank. "

Does anyone know what this is about ?
Is it the prestige quarterly fee ?

Thanks
10am walker
 
MrEarl said:
"From June 16 Pepper will handle all day-to-day management of the loans from customer service through to specialised case management"
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I got a letter from Danske this morning, confirming this.

The letter said that Pepper were taking over administration loans and mortgages. It was explicit that they had not been sold, and the contractual relationship was still between the customer and Danske.

I'm leaning towards optimism on this development, on the basis that the customer service and in particular consistency can hardly be worse than that Danske have been providing in recent months.
 
I also got the letter that ang1170 mentioned above.
When I logged onto my Internet banking I also noted that my servicing account has now been removed although I have not actually closed this account. The account is apparently visible to call centre staff but i cant access it online, as I rang to enquire about it.
 
Pepper

I find it very interesting that the communication from Danske regarding Pepper Asset Servicing give a telephone number (1890) and a postal address.

Surely they have an email address that we can use ????
 
DingDing said:
Anyone use the priority pass card since the account was closed.
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No, but don't think there's an expiry date on it from memory (sorry can't put my hand on it at the moment) so will certainly give it a try next time I'm traveling unless I discover in advance its' definitely cancelled ....
 
Anyone who left danske have trouble getting a credit card from ulster bank. I got a reply that I had insufficient income even though I had a prestige account with Danske and there has been no change to my income or outgoings.

They must not want to give any credit cards.
 
DingDing said:
Anyone who left danske have trouble getting a credit card from ulster bank. I got a reply that I had insufficient income even though I had a prestige account with Danske and there has been no change to my income or outgoings.

They must not want to give any credit cards.
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They're probably doing you a favour (inadvertently). With the exception of car hire, visa debit card is the business - with no extortionate interest rates coming into play.
 
Always clear it every month. Can the visa debit be used for car hire and do you need to have the funds to cover any deposit in the current account.
 
DingDing said:
Anyone who left danske have trouble getting a credit card from ulster bank. I got a reply that I had insufficient income even though I had a prestige account with Danske and there has been no change to my income or outgoings.

They must not want to give any credit cards.
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I got the impression; "they're just not interested", although I suppose many people would refute the idea.
I filled in some online forms and got the promised phone call.
Call ended with the girl saying "I'll check that and call you back". She even advised me that my phone would say it's a call from a blocked number.
A week later, and no call so I rang them. Spoke to her colleague who eventually assured me that I would receive a call by end of week.

I didn't so am now with another bank.
 
Auld-Yin said:
I got the impression; "they're just not interested", although I suppose many people would refute the idea.
I filled in some online forms and got the promised phone call.
Call ended with the girl saying "I'll check that and call you back". She even advised me that my phone would say it's a call from a blocked number.
A week later, and no call so I rang them. Spoke to her colleague who eventually assured me that I would receive a call by end of week.

I didn't so am now with another bank.
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I didn't try Ulster but got turned down by Tesco. I went to PTSB and after a huge amount of pain managed to get all of my accounts transfered (current/savings and a credit card). It was a chore. I got the impression that most of the banks are interested in new business but only if you fit narrow profile of better than average income, little or no debt, permanent employment and savings. If any one of those boxes are not ticked they just can't be bothered. Its a huge problem and there is a huge gap in the market for a bank that takes into consideration that everybody isn't a PAYE worker on a fixed salary.
 
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