Hi JCB1 sorry to hear about what you have gone through and you didn't even know that the bank had done wrong to you. yes it does seem you are one of the customers affected you should request a copy of your mortgage contract that you signed in 2007.
I would recommend you contact Padraic Kissane he is working with a lot of the PTSB customers that are affected by this issue.
According to the PTSB website anyone that has overpaid will get refunded but for example you overpaid by €10,000 and you have arrears of €5,000 then your arrears will be cleared first and you will be given €5,000 refund + compensation.
The Compensation that they are offering is a disgrace for people have being through.
I would recommend you contact Padraic Kissane he is working with a lot of the PTSB customers that are affected by this issue.
According to the PTSB website anyone that has overpaid will get refunded but for example you overpaid by €10,000 and you have arrears of €5,000 then your arrears will be cleared first and you will be given €5,000 refund + compensation.
The Compensation that they are offering is a disgrace for people have being through.