Hi All,
Finally heard back from NIB. (See email below).
I think it's a solution, but am a bit sceptical and parenoid as such.
(Dr Moriarty et al that have been very helpful in fighting NIB on this), IYO, would you think that this email is enough to cover myself in the future with regards to keeping my tracker safe ?
And is an email from an employee a safe bet, or should I request a headed letter to the effect?
Thanks,
Wolverine
---------- Forwarded message ----------
From: 247StaffEnquiries <
[email protected]>
Subject: Fw: National Irish Bank
To:
Dear x,
Thank you for your email and apologies for the delay in responding to your original email.
I can confirm that your current account can be converted to a fee free servicing account. If you to decide to convert the account to a servicing account you will not have access to the account via ATM/Laser card or through our ebanking service.
By changing your account to a service account it will not affect your LTV ECB tracker rate.
While you also have the option of setting up a direct debit to the mortgage from an external bank a/c (again this will not affect your LTV ECB rate) you will need to keep the servicing account open in order to receive TRS. This TRS can be accessed by setting up a standing order from the servicing account to your external account.
If you would like to convert your account to a servicing account please advise and additionally if you want to set up a direct debit to an external account and I will issue a new direct debit mandate to you.
Regards,
(A NAME)
National Irish Bank
Email Sent to NIB.
Dear Sir/Madam,
......
..... (explaining breach of the consumer credit act 1995, the banking consumer protecting code, and the consumer protection code)....
...
.
1. I request that you confirm that the requirement in our loan agreement relating to the maintaining of a current account is now no longer operative, without prejudice to the maintenance of our LTV ECB Tracker rate ?
2. I would like you to confirm if & how I can (without having an effect on my LTV ECB tracker) maintain my LTV ECB tracker mortgage, and make payments from another bank, if I decide to move my day-to-day banking to another bank, without incurring ongoing NIB account fees?
I am aware that some NIB customer accounts are being converted to a "Fee-Free servicing" account, can you confirm that in the future, my current account can be converted to a "Fee Free Servicing Account" ?
I asked you to either confirm that point 1 of the above is true, or that you escalate this to your complaints department as a formal complaint.
Kind Regards,
Wolverine