thanks for the reply.
In actual fact i did completely and openly disclose verbally and on the PPR application that my contract was set to expire in 4 months. For some reason, i didn't hand-write it in on the investment application. Both applications went in together to the same official and were assessed in unison.
I would be grateful, if it is in your capacity to give me some example of what would be considered definitive and concrete in the remit of ''mis-selling'' vis a vis 'any case of "mis-selling" a mortgage has to be based on something definitive and concrete.'
The bank told me (verbally) at the point of signing my contracts, that 'interest rates would not go up'!! Was it bad behaviour of me to believe that...or bad behaviour of them?
The bank are the ones who put in SPOUSAL income - not me?? They are saying it was probably Rental income, and they just used an old form and put it against spousal....
It's a shame the judiciary take the hostile stance....bad property decisions versus BAD LENDING PRACTICE are not equal. Some joe soap off the street is the sole body held to account...while the so called financial experts remain unaccountable....
Screaming for a way out.....more like screaming for a right to live a normal life.
Could you clarify 'loose' did you mean money to lose?? I've lost all that!! as well as 7 years of my 30's.
Over the last 7 years, i have dealt with several bank officials....and at one point i was told they were unable to 'help' me in the past as 'we didn't know what to do then'. Do they not have a duty of care to their customers to give advice one way or another??? I was told by one bank manager after being visibly upset, to go home and have a cheap bottle of plonk!! I left the bank that day and did not care if a truck coming down the other side of the street took me out.
I'm running an uphill battle. would you blame anyone looking for a way out. I am not looking for a way out based on a lame attempt to prove mis-selling. It may have read that way, but i have thought long and hard about it. there is in my view a slim chance. I did advise the bank of my contract status, i did advise the bank of the end date.
They were so keen for custom, they paid my solicitors fees to move to them (The Switcher Sweetner) when my former bank turned me down for the loans. (the 1200 euro lodgement was for the solicitor's fees with regard to an equity release on my PPR and the purchase via a new mortgage for the investment).
I am inches away from throwing in the towel, but having had a grandfather who survived Gallipoli i don't have the heart to give up just yet and so right now I'll be damned if i bow out that quickly. There has to be some way.......