B
benny11
Guest
I received a letter this morning of E.B.S stating that i was in mortgage arrears and that i had 12 months to clear this arrears or they would issue proceedings against me ( of which i am not sure ) .
Firstly I was not aware I was in arrears but admit the onus is on me to keep a track of my payments.
I contacted EBS immediately and discovered I was is in arrears of €633. I pay my mortgage first thing every week as i am lucky to still have full-time employment even though drastically reduced hours, pay etc.( like everybody else I am sure).
I apologised for the mistake and promised to pay the balance asap.
Just before I left the call I asked why they were sending such threatening letters over a relatively small amount considering how much I am paying over the lifetime of the mortgage. I was told quite rudely that it didn't matter how little the amount is that would do this after 12 months.
I asked him did he think it fair to bring people to court for such small amounts and he replied yes they should be after 12 months. His overall attitude I just felt was very distasteful I thoughts banks were supposed to be acting understanding and helpful these days especially an institution like EBS who has acted so recklessly themselves over the last number of years.
That's my two cents any way.
Firstly I was not aware I was in arrears but admit the onus is on me to keep a track of my payments.
I contacted EBS immediately and discovered I was is in arrears of €633. I pay my mortgage first thing every week as i am lucky to still have full-time employment even though drastically reduced hours, pay etc.( like everybody else I am sure).
I apologised for the mistake and promised to pay the balance asap.
Just before I left the call I asked why they were sending such threatening letters over a relatively small amount considering how much I am paying over the lifetime of the mortgage. I was told quite rudely that it didn't matter how little the amount is that would do this after 12 months.
I asked him did he think it fair to bring people to court for such small amounts and he replied yes they should be after 12 months. His overall attitude I just felt was very distasteful I thoughts banks were supposed to be acting understanding and helpful these days especially an institution like EBS who has acted so recklessly themselves over the last number of years.
That's my two cents any way.