Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

T&Cs and notifying changes

  • 28-03-2014 6:58am
    #1
    JimsAlterEgo
    Registered Users, Registered Users 2 Posts: 1,917 ✭✭✭


    If hyportecially speaking one had a mortgage with a bank and the only way the terms & conditions changed were by changing the T&Cs on the website and not notifying customers. In this case has the customer comeback to say they were not told?


Comments

  • #2
    GerardKeating
    Registered Users, Registered Users 2 Posts: 7,815 ✭✭✭GerardKeating


    JimsAlterEgo wrote: »
    If hyportecially speaking one had a mortgage with a bank and the only way the terms & conditions changed were by changing the T&Cs on the website and not notifying customers. In this case has the customer comeback to say they were not told?

    If ones hypothetically mortgage contact states that was how they were to be notified and said you had to check for updates, then a hypothetically might not have any come back.

    Even if one has any comeback, is the hypothetically gain of this comeback worth the effort of taking them to a hypothetically court.


  • #3
    JimsAlterEgo
    Registered Users, Registered Users 2 Posts: 1,917 ✭✭✭JimsAlterEgo


    Given the type of morgage, it may actually be.

    Nothing in original documentation about method of communication.

    Do you not have to agree to changes to T&Cs?


  • #4
    GerardKeating
    Registered Users, Registered Users 2 Posts: 7,815 ✭✭✭GerardKeating


    JimsAlterEgo wrote: »
    Given the type of morgage, it may actually be.

    Nothing in original documentation about method of communication.

    Do you not have to agree to changes to T&Cs?

    Depends on the T&C in the original contract, typical phone/tv/contacts give 30 day penalty free exit if you do not agree to changes, so you might have the option of an early exit to pay off the outstanding balance with no penalty..


  • #5
    JimsAlterEgo
    Registered Users, Registered Users 2 Posts: 1,917 ✭✭✭JimsAlterEgo


    GerardKeating wrote: »
    Depends on the T&C in the original contract, typical phone/tv/contacts give 30 day penalty free exit if you do not agree to changes, so you might have the option of an early exit to pay off the outstanding balance with no penalty..

    Nobody knew the changes existed and are now being used for the bank to make major changes. Exiting is the one thing most people dont want ;).

    My query is mainly about can we insist these changes made 2 years ago are not binding now as we never informed and never agree to them


  • #6
    Peregrinus
    Registered Users, Registered Users 2 Posts: 27,086 ✭✭✭✭Peregrinus


    JimsAlterEgo wrote: »
    My query is mainly about can we insist these changes made 2 years ago are not binding now as we never informed and never agree to them
    Depends. What did the T&C that you signed up to say about later changes?


  • Advertisement
Advertisement