Major Complaints Thread (3 Viewers)

i'm with PTSB for my current account, and their online presence is fine, but my mortgage is with AIB, and i had a comical conversation with someone in the mortgage securities department there a few years back.
i'd managed to get the direct number for them, which they seemed a little put out by - i was looking for copies of two documents relating to buying the freehold on the land our house is on (turns out *lots* of north dublin city is leasehold).
the chap i was talking to in AB was incredulous; he could not understand the concept of not owning the land your house is built on - he'd never heard of it. i had to explain it to him, and he works in the mortgage securities section in AIB...
 
i'm with PTSB for my current account, and their online presence is fine, but my mortgage is with AIB, and i had a comical conversation with someone in the mortgage securities department there a few years back.
i'd managed to get the direct number for them, which they seemed a little put out by - i was looking for copies of two documents relating to buying the freehold on the land our house is on (turns out *lots* of north dublin city is leasehold).
the chap i was talking to in AB was incredulous; he could not understand the concept of not owning the land your house is built on - he'd never heard of it. i had to explain it to him, and he works in the mortgage securities section in AIB...
That’s actually shocking.
 
i'm with PTSB for my current account, and their online presence is fine, but my mortgage is with AIB, and i had a comical conversation with someone in the mortgage securities department there a few years back.
i'd managed to get the direct number for them, which they seemed a little put out by - i was looking for copies of two documents relating to buying the freehold on the land our house is on (turns out *lots* of north dublin city is leasehold).
the chap i was talking to in AB was incredulous; he could not understand the concept of not owning the land your house is built on - he'd never heard of it. i had to explain it to him, and he works in the mortgage securities section in AIB...


didn't realise that that was commonplace in dublin beyond former corporation estates where the council held the ground rights. But I guess where you were was greenfields in the 40s/50s..
but still, that's pretty shocking he never heard of the concept.
 
i'm with PTSB for my current account, and their online presence is fine, but my mortgage is with AIB, and i had a comical conversation with someone in the mortgage securities department there a few years back.
i'd managed to get the direct number for them, which they seemed a little put out by - i was looking for copies of two documents relating to buying the freehold on the land our house is on (turns out *lots* of north dublin city is leasehold).
the chap i was talking to in AB was incredulous; he could not understand the concept of not owning the land your house is built on - he'd never heard of it. i had to explain it to him, and he works in the mortgage securities section in AIB...
very common in Germany too. Friends of ours have to pay 5 grand a year rent for the land *their* house is on. They own the house but not the land. What's worse is that the land is privately owned. There must be protections in place against the landowner coming in looking for the land back to do something else with it. But its a very strange system.
 
Ground rent here is nowhere near that, it's six quid a month for us I think. And about 700 years left on the lease. It starts getting complicated within about 25 years of the lease expiring, before that you can legally buy it out for about a grand.
 
in my case, it's now a solicitor in the city centre who bought it off some english lad for all i know. they probably copped there were hundreds of properties where the ground rent hadn't been collected in years.
 
very common in Germany too. Friends of ours have to pay 5 grand a year rent for the land *their* house is on. They own the house but not the land. What's worse is that the land is privately owned. There must be protections in place against the landowner coming in looking for the land back to do something else with it. But its a very strange system.
in theory here, you have to ask the landowner's permission to make any major changes to your house.

the government tried to abolish the whole system in the 70s but legally could not, so put in place the system where you can buy the ground rent out for about €1k; the seller has no choice in this, unless (AFAIK) there's less than 25 years left on the lease - the cost of the buyout becomes more expensive after that, and ratchets up the closer you get to the end date.
 
Get a customs bill from an post, think to myself I already paid it.
Phone them and I'm told he can see I paid it but I need to pay it again and reclaim it from the seller??

So I'm obviously annoyed and say that it's a bit of a joke , the lad on the phone raises his voice at me to which I ask why and he promptly hangs up.

Now I can either pay and attempt to reclaim ( eBay purchase so I presume through eBay) or refuse the item and try and get a full refund and then try to get the item elsewhere.

Fucking assholes!!!!

All because a sticker wasn't put on the parcel.
 
Get a customs bill from an post, think to myself I already paid it.
Phone them and I'm told he can see I paid it but I need to pay it again and reclaim it from the seller??

So I'm obviously annoyed and say that it's a bit of a joke , the lad on the phone raises his voice at me to which I ask why and he promptly hangs up.

Now I can either pay and attempt to reclaim ( eBay purchase so I presume through eBay) or refuse the item and try and get a full refund and then try to get the item elsewhere.

Fucking assholes!!!!

All because a sticker wasn't put on the parcel.
I feel the rage man

An utterly fucked up system and no one cares
 
Oh,and to complain about being shouted at and hung up on, I can only do so in writing. On paper. Because they really want to improve the service
It is farcical that you can be asked to pay for something twice. It shouldn't be possible. The system isn't fit for purpose and sooner or later it will happen to everyone who buys through mail from UK and ROW. It's happened to me.
This must be about the mark of Ombudsman stuff.

The guy who hung up on you is a prick and deserves any personal complaints he gets. Never had any call centre person be anything other than respectful and helpful.
 

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