I have been on interest only mortgage repayments for the last six months. This is due to expire at the end of the month and full repayments to commence on the 2nd of February. I contacted my branch two weeks ago to advise them that I would need another six months IO if possible. I was told to refill out the SFS form and to send it into my branch of PTSB and to contact head office who would issue me with an appointment to meet an advisor in my local branch. I contacted head office the same day and was told that an advisor from my local branch would contact me the same day with an appointment as it would take a few weeks to process my application. As of today nobody from PTSB has contacted me back. I have tried every day since to make contact with somebody but to no avail. There is no way that my application is going to be processed before my full mortgage repayment is due. I have never missed a payment. At the first sign of trouble, I contacted them to arrange alternative repayments to avoid going into arrears. Now through no fault of my own I will be forced into arrears next month. Im desperate - has anyone any advise as to what I can do or what my rights are. Thanks for reading.