Q – My current account is with Ulster Bank and they have stopped my overdraft facility. It was only € 2,000 and I only exceeded it for the first time recently. Can they do this ? I have been put on short time by my company and my wife is on COVID payments. They have told me they are switching this to a term loan over 3 years. Do I have to accept and should I move to another bank now they are closing down ? Billy – Wexford


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