Hi folks,
I'm in the process of trying to negotiate some form of restructuring/interest only arrangement with my mortgage provider. (Ulster Bank) as my monthly repayments are now 60% of my net monthly income and becoming increasingly frustrated/annoyed by my dealings with their mortgage section.
(Apologies if this ends up a long post).
About a month ago having notified them that I was struggling, I had an initial call from a representative who talked me through my monthly income and expenditure and I itemised my outgoings over the phone to him.
Following this a few days later I received a letter and with a declaration sheet with a monthly expenditure amount which bore no relation to what I had told the guy over the phone ad an amount of monthly income and expenditure for a 'Customer 2' (The mortgage is in my name only and I'm a single parent with a college age child).
I returned the declaration with a letter explaining why I had not signed as it was not 'an accurate reflection' of my I&E and querying the inclusion of a 'customer 2'.
The following day I had a call back from the same representative I had spoken to saying the underwriters had asked for 'additional information. He then proceeded to ask me for the same information I had previously given him (what were my monthly repayments on personal loan and visa?) I told I had already given this info in our previous conversation and also pointed out that they had sent me a declaration with an inaccurate expenditure amount and a 'customer 2' I&E amount.
He just kept talking over me and didn't listen to my 'complaint'. I then heard nothing for approx two weeks until last Friday when I received another I&E 'declaration' form this time for two names I did not recognise and had hever heard of!
I'm shocked to say the least and also very concerned that just as I now have 'personal and private' information about 2 strangers, someone else had potentially been sent MY information.
I'm unsure what to do now - I do want to complain as I feel this was both incompetent and potentially a breach of privacy/confidentiality issue.
I'm thinking of writing to them outlining my issues as above and sending them a photocopy of the 'other people's' declaration and expressing my concern about both the inept way my appeal had been dealt with and expressing my strong concern about breach of privacy etc.
What does anyone think? Was so angry on Friday I almost felt like 'leaking' this to a national newspaper or in some way publicly drawing attention to the 'unprofessional' manner in which the bank is dealing with 'appeals' of this nature. Any thoughts or suggestions as to what i should do next.
I’ve been worrying about this all weekend.
Thanks.
I'm in the process of trying to negotiate some form of restructuring/interest only arrangement with my mortgage provider. (Ulster Bank) as my monthly repayments are now 60% of my net monthly income and becoming increasingly frustrated/annoyed by my dealings with their mortgage section.
(Apologies if this ends up a long post).
About a month ago having notified them that I was struggling, I had an initial call from a representative who talked me through my monthly income and expenditure and I itemised my outgoings over the phone to him.
Following this a few days later I received a letter and with a declaration sheet with a monthly expenditure amount which bore no relation to what I had told the guy over the phone ad an amount of monthly income and expenditure for a 'Customer 2' (The mortgage is in my name only and I'm a single parent with a college age child).
I returned the declaration with a letter explaining why I had not signed as it was not 'an accurate reflection' of my I&E and querying the inclusion of a 'customer 2'.
The following day I had a call back from the same representative I had spoken to saying the underwriters had asked for 'additional information. He then proceeded to ask me for the same information I had previously given him (what were my monthly repayments on personal loan and visa?) I told I had already given this info in our previous conversation and also pointed out that they had sent me a declaration with an inaccurate expenditure amount and a 'customer 2' I&E amount.
He just kept talking over me and didn't listen to my 'complaint'. I then heard nothing for approx two weeks until last Friday when I received another I&E 'declaration' form this time for two names I did not recognise and had hever heard of!
I'm shocked to say the least and also very concerned that just as I now have 'personal and private' information about 2 strangers, someone else had potentially been sent MY information.
I'm unsure what to do now - I do want to complain as I feel this was both incompetent and potentially a breach of privacy/confidentiality issue.
I'm thinking of writing to them outlining my issues as above and sending them a photocopy of the 'other people's' declaration and expressing my concern about both the inept way my appeal had been dealt with and expressing my strong concern about breach of privacy etc.
What does anyone think? Was so angry on Friday I almost felt like 'leaking' this to a national newspaper or in some way publicly drawing attention to the 'unprofessional' manner in which the bank is dealing with 'appeals' of this nature. Any thoughts or suggestions as to what i should do next.
I’ve been worrying about this all weekend.
Thanks.