Thread solely for people with Bank of Ireland Mortgages

smiffy

Thrugelmir wrote: »

Totally irrelevant to the issue now. Your mortgage was sold on to a new lender, the BOI. Again allowable under the terms of your mortgage contract.

Possibly irrelevant, but advertising the product as fixed for term could well form part of the contract like in the Carlill v Carbolic Smoke Ball Company case.

None of the marketing highlighted the special clause, and neither did the solicitors who were often provided as part of the deal.

brit1234

Beej_1973 wrote: »

I would take that as a bite......sad that you have nothing better to do than plough through threads, that dont effect you......Why don;t you try and leave the house and engage with real people, it may make you less bitter

Big thumbs down for that post beej. There are a lot of regular posters who have been helping people for years and that includes Thrugelmir.

Sometimes the advice is a little blunt and hard to swallow. However that is better than giving false hopes. Beej there are many mortgage experts here, maybe listen to them rather than disregard what they say as they haven't been burnt by BOI.

_Andy_

Beej_1973 wrote: »

Why don;t you try and leave the house and engage with real people,

1) So you're saying posters here aren't 'real people' - are they all robots then?
2) The irony, given you're doing the same.

Love it.:)

motch

So could this happen to fixed rate mortgages?

BR_Landlord

brit1234 wrote: »

Big thumbs down for that post beej. There are a lot of regular posters who have been helping people for years and that includes Thrugelmir.

Sometimes the advice is a little blunt and hard to swallow.

Reactions to Newbies was a bit hostile at the top of this post and that got in the way a bit as Newbies were gathering information particular to our mortgages. I now appreciate Thrug's comments are made in good faith based on experience.

Thrugelmir

Beej_1973 wrote: »

I would take that as a bite......sad that you have nothing better to do than plough through threads, that dont effect you......Why don;t you try and leave the house and engage with real people, it may make you less bitter

Not bitter in the slightest. Real people debate and discuss in an adult manner. If you don't like what you are reading then either put me on ignore or find another forum which shares your views and opinions.

magpiecottage

Thrugelmir wrote: »

Bristol and West no longer exists. The mortgage business was transferred to BOI in 2009.

That is what people said about Santander free business banking on this thread(except it was Abbey National not Bristol & West).

We forced a climbdown, though.

Smiffy is following the same battle plan - even to the point of setting up a free website.

Thrugelmir

magpiecottage wrote: »

That is what people said about Santander free business banking on this thread(except it was Abbey National not Bristol & West).

We forced a climbdown, though.

Smiffy is following the same battle plan - even to the point of setting up a free website.

Remember the customer pays in the end. There's no such thing as a free lunch. So always thing about the bigger picture from above not just the view from the street.