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Requesting mortgage statements not in your name.

  • 16-02-2014 7:26am
    #1
    buggles
    Registered Users, Registered Users 2 Posts: 44 ✭


    Is it illegal to request a mortgage statement if it is not in your name?

    Back story: my parents did an equity release and loaned me some money to help towards a deposit for my own house. They have since separated and in the midst of this my mother got an 18month mortgage statement. This snapshot of the mortgage shows that my father was overcharging me on my repayments. I have asked my mother to request statements for the life of the mortgage, it was paid off when the house was sold, but she says I need to sort it out with my father. I was asking for these statements so I could calculate exactly how much I was overcharged. I have all the necessary details to request them myself.
    Thanks.


Comments

  • #2
    sawdoubters
    Banned (with Prison Access) Posts: 1,288 ✭✭✭sawdoubters


    no chance


  • #3
    buggles
    Registered Users, Registered Users 2 Posts: 44 ✭buggles


    sawdoubters wrote: »
    no chance

    What?


  • #4
    Pro Hoc Vice
    Closed Accounts Posts: 6,087 ✭✭✭Pro Hoc Vice


    buggles wrote: »
    What?

    Unless you get an authority from the account holder it would be a serious breach of data protection for the bank to release such information. Of course such information could be sought in the discovery if litigation is started.


  • #5
    Peregrinus
    Registered Users, Registered Users 2 Posts: 26,998 ✭✭✭✭Peregrinus


    Yup. The bank lent money to your father (and, possibly, mother). He is (or they are) the bank's customer. The bank absolutely will not discuss other customer's affairs with you.

    Your father (and mother) then lent money to you. The bank was not involved in that transaction, and it does not make you a customer of the bank. Even if you are a customer of the bank in your own right, the bank will not discuss with you the affairs of another customer.

    Your mother can get the details from the bank but, obviously, she doesn't want to. You can't force her to.


  • #6
    No Pants
    Closed Accounts Posts: 3,347 ✭✭✭No Pants


    Peregrinus wrote: »
    Your mother can get the details from the bank but, obviously, she doesn't want to. You can't force her to.
    Your mother is, rightly, staying out of this. You and your father need to have a chat.


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