redcatstar
Registered User
- Messages
- 32
How Long did you fix for ? 6 yr rule should not start till end of fixed rateYes I emailed fso saying ub asked had fso asked was I part of the project which ub couldn't tell me whether i was or not anyway they said they couldn't give me a date due to central bank looking into ub and trackers. All this i sent by email to fso plus a copy of my emails of complaint which are now over the 40 days ub have to answer. I'm afraid I'm probably over the 6 yr period seeing as I fixed in 06
First till 2008 then till 2010 but I believe there was a flexible option on that one with ltv which I did not understand so fixed again till 2012How Long did you fix for ? 6 yr rule should not start till end of fixed rate
Yes I emailed fso saying ub asked had fso asked was I part of the project which ub couldn't tell me whether i was or not anyway they said they couldn't give me a date due to central bank looking into ub and trackers. All this i sent by email to fso plus a copy of my emails of complaint which are now over the 40 days ub have to answer. I'm afraid I'm probably over the 6 yr period seeing as I fixed in 06
2010 was the third time we fixedThat just means that your interest rate depends on how much you are borrowing versus what the property is worth so if you borrowed >80 of value you would pay x rate, <50 of value you pay y rate, for example, usually a better rate if your loan is a lower percentage of the value.
If fixed for a second time in 2010, you are probably ok as 6 years should be from finish in 2012
You started a complaint with the fso?
Ulster then asked if fso had asked were you part of the examination? But they couldn't tell you or give date? Is that correct?[/Q
They weren't offering trackers then, that was a variable rate you were offered.
if your original mortgage documents said it was for the life of the mortgage, then no you didn't.
They won't commit to anything, my confirmation letter last week just stated the central bank's next deadline which is the end of September, but I have emailed again for further clarification. If they have confirmed you are part of the examination then they will be reviewing your case.
No they have not told me I am part of the examination they are just avoiding me like the plague, hopefully I will be, we fixed in march 2006They weren't offering trackers then, that was a variable rate you were offered.
if your original mortgage documents said it was for the life of the mortgage, then no you didn't.
They won't commit to anything, my confirmation letter last week just stated the central bank's next deadline which is the end of September, but I have emailed again for further clarification. If they have confirmed you are part of the examination then they will be reviewing your case.
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