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Ulster Bank and handing back the keys

  • 11-03-2009 11:39am
    #1
    dzz
    Closed Accounts Posts: 2 ✭


    HI All

    Just to keep up to date:- I've been in 'discussion' with Ulster Bank for the last 6 weeks. Well discussion seems to giving as it has been a series of no, no no from the bank. I'm lucking for a 6months break ( this is on 30 years term) and they are just not budging. I have informed them that it will be in arrears this month ad without a break to kill some debts etc. The money will not be their - the maths simply does not work. They have not replied to letter I sent and are dodging phone calls. Only taking them when I refude to get off the line.

    Unfortunately this means... handing back the keys. While I understand this does not finish off the loan altogether. So any advice on the keys being handed back - do I get a chance to go to court where the Bank might actually have to meet and perhaps have an independent arbiter?

    10 days to keys hand over.

    D
    Tagged:


Comments

  • #2
    homer911
    Registered Users, Registered Users 2 Posts: 5,150 ✭✭✭homer911


    Didnt the main banks all sign up to not evicting anyone for 18 months after a customer defaults?


  • #3
    stepbar
    Closed Accounts Posts: 6,123 ✭✭✭stepbar


    dzz wrote: »
    HI All

    Just to keep up to date:- I've been in 'discussion' with Ulster Bank for the last 6 weeks. Well discussion seems to giving as it has been a series of no, no no from the bank. I'm lucking for a 6months break ( this is on 30 years term) and they are just not budging. I have informed them that it will be in arrears this month ad without a break to kill some debts etc. The money will not be their - the maths simply does not work. They have not replied to letter I sent and are dodging phone calls. Only taking them when I refude to get off the line.

    Unfortunately this means... handing back the keys. While I understand this does not finish off the loan altogether. So any advice on the keys being handed back - do I get a chance to go to court where the Bank might actually have to meet and perhaps have an independent arbiter?

    10 days to keys hand over.

    D

    They clearly have not followed any proceedures at all. Write a letter of compaint and take it to the Ombudsman TBH after that if the responce is not satisfactory.


  • #4
    KillerShamrock
    Registered Users, Registered Users 2 Posts: 1,405 ✭✭✭KillerShamrock


    homer911 wrote: »
    Didnt the main banks all sign up to not evicting anyone for 18 months after a customer defaults?

    Wasn't that just BOI and AIB, maybe wrong.
    Also ulster being owned by RBS might exclude them from it as they arent even covered by our govt


  • #5
    FibbersON
    Closed Accounts Posts: 66 ✭✭FibbersON


    Contact your local MABS office, they deal with this stuff week in week out. With their knowledge behind you the bank will listen


  • #6
    joes girls
    Registered Users, Registered Users 2 Posts: 20,448 ✭✭✭✭joes girls


    lord this could happen to any of us ....just pay whatever you can every week then they cant say your not trying....good luck......:):D:)


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  • #7
    steo87
    Closed Accounts Posts: 510 ✭✭✭steo87


    dzz wrote: »
    HI All

    Just to keep up to date:- I've been in 'discussion' with Ulster Bank for the last 6 weeks. Well discussion seems to giving as it has been a series of no, no no from the bank. I'm lucking for a 6months break ( this is on 30 years term) and they are just not budging. I have informed them that it will be in arrears this month ad without a break to kill some debts etc. The money will not be their - the maths simply does not work. They have not replied to letter I sent and are dodging phone calls. Only taking them when I refude to get off the line.

    Unfortunately this means... handing back the keys. While I understand this does not finish off the loan altogether. So any advice on the keys being handed back - do I get a chance to go to court where the Bank might actually have to meet and perhaps have an independent arbiter?

    10 days to keys hand over.

    D

    Yeah as FibbersON said, contact your local MABS:

    http://www.mabs.ie/contact_us/contact_us.html


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