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Accidental mortgage overpayment

  • 17-11-2018 2:51pm
    #1
    andl21
    Registered Users, Registered Users 2 Posts: 3 ✭


    1


Comments

  • #2
    Grassey
    Registered Users, Registered Users 2 Posts: 2,393 ✭✭✭Grassey


    I did similar over summer. Had to write a letter explaining it was an error etc and then scan/photo send it to the mortgage depot email. Was back in correct account next day.

    Aib phone weren't much help, mortgage depot directly were much better.


  • #3
    Eire Go Brach
    Registered Users, Registered Users 2 Posts: 1,384 ✭✭✭Eire Go Brach


    andl21 wrote: »
    I have a fixed rate mortgage with aib and while trying to move a significant sum of money from my current account to my savings I managed to send it to my mortgage account. What are the chances I will get this money back. Phone support not much help told to visit branch on Monday. Any advice
    Thanks
    You will get it back. You made a mistake.

    It’s your money. If they keep it. They would be stealing it. Not like the banks to steal money in regards to mortgage. Hmmmm then again.

    Just keep hounding them.


  • #4
    andl21
    Registered Users, Registered Users 2 Posts: 3 ✭andl21


    1


  • #5
    andl21
    Registered Users, Registered Users 2 Posts: 3 ✭andl21


    1


  • #6
    coylemj
    Registered Users, Registered Users 2 Posts: 25,626 ✭✭✭✭coylemj


    OP, if it was a variable rate mortgage then it might have been applied to the capital and getting the payment reversed might have been a bit complicated. But most bank don't allow one-off payments against the capital while the rate is fixed so your money is probably parked in a financial lay-by and I'd be fairly certain that they will transfer it back to you no problem.

    In fairness, this not something that a phone jockey can fix so while i can understand that you were in a mild panic, phoning them at the weekend was pretty much a waste of time.


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