Just to be clear, I'm not accusing you of concealing anything. You posted a very small amount of information, looking for help.
I've genuinely tried to help you.
It makes absolutely no sense that a bank would change a PDH mortgage to a BTL one. Or that they would give a BTL mortgage to a sole mortgage holder for their PDH. If there's nothing else going on, then she has a reason to be aggrieved.
But if there's a genuine reason that the bank would only lend as a BTL, it's different. Hence the question about sole / joint name. Or another example - was the site still in parents names?
I wish you well on Wednesday.
Do you have documentary evidence of what your relative requested when she asked for the €30K top up? I know we asked for a top up of our mortgage around 2003 and I was surprised when the bank, at time of drawdown of the top-up, closed our existing mortgage and opened up a new mortgage. It made no difference to us In our ability to repay but it was not what we requested, and I was very surprised when it happened. If the bank had said, you currently have a €100K mortgage with 18 years to run, we are going to change this to a 200K mortgage with 20 years to run, I would have been able to understand and ask what difference this made to me the customer, as I was expecting it to be a 200K mortgage with 18 years to run, etc etc.
So it sounds to me as if the father & daughter took out a joint mortgage on this new house which only the daughter lives in. They jointly requested an extra €30K? At the same rate/conditions as previously? And signed all documents provided, not realising they were changing to a new rate? Which they realised within a month when first payment became due? And wrote to bank immediately to rectify the mistake?
it will all depend on the paper trail, email, letters, record of calls. Have it all organised in chronological order for the call tomorrow.
on this date original mortgage, mortgage conrtact, mortgage application, etc
on this date application for top up, all supporting documents, letter of application, mortgage application docs etc
on this date new mortgage, mortgage contract, all correspondence etc
on this date issue noticed, correspondence with bank etc.
Best of luck.
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