UB changing terms on U First account before drawdown

Brendan Burgess said:

I don't understand why it's taking you 12 months to go to the Ombudsman.

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It took Ulster Bank 18 months to issue me with a "Final Response Letter" so that I could bring my complaint to the Ombudsman.

I suspect they have found a proportion of people will give up if they prevaricate long enough.

Brendan,
Yes please leave this with me for a number of weeks. I have drafted a letter in response to Ulster Bank along with supporting documentation which I believe will be sufficient to force UB to remedy this error. Upon such Ill be more than happy to provide further detail and assist other customers.
Other customers have definitely been effected by Ulster Banks incorrect process in relation to this.Problem is the customers just do no realise it.

Off topic slightly - however I dont fully agree that for example a Fixed rate product should be applied at drawdown rather than fixed rate per loan offer. Even if it says it in the terms & conditions. Especially noting that fixed rates have breakage charges.

The customer will not have known until after drawdown that they're on a higher fixed rate. This is poor practice and I would challenge the legality of it.