TRS Amount halved - why?

RMCF

Registered User
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Not sure if this is the correct forum, didn't know where to put it, please move in wrong.

Anyway, we took out a mortgage last year and the TRS was always around the €82 - €85 mark each month.

Just noticed that Jan's was €48.

Why the big decrease?
 
Might be the year end.

My mortgage payment date was the 15th, TRS arrived later that day, however an additional credit for roughly half always arrived on the 31st Dec, and the other half then arrived on 15th Jan as usual.
 
What month of the year did you get your mortgage last year ?

Could it be that you got a years TRS in 6 months last year, so it was artificially high, so the monthly amount if now correct for a whole year.
 
Mortgage officially started Dec 2010 I think, can't remember when I put the TRS form in, but was probably Jan or Feb 2011.
 
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