ROKER.
Given the history on Payment Protection Insurance (PPI), your comment {because I refuse a PPI on the loan }is hugely important.
Suggest do a Subject Access Report (SAR) costs e6.50 .
On that, all communications verbal and written should be recorded.
It will take 40 days + to get this.
The whole PPI saga in most banks is well proven in Uk and staunchly fudged in ROI by Central Bank/ Ombudsman etc.
Should your SAR come back and show that your (grief) was caused by not taking PPI , not only will you get recompensed you will do a HUGE favour to those also cheated by Banks stealing/shuffling on PPI.
The scale of PPI miss-sells in Ireland far far exceeds any other obvious misdeeds by banks.
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Minime.
Can you give us more info please.