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Not part of the Examination
Not part of the Examination
- New Member
Hi I received a call from the ombudsman that I'm not part of the Examination. 5 years I am waiting. - Originally in 2007 I asked Aib, Cork Savings Bank and a broker for a mortgage. They all refused as my last mortgage was in arrers and so my credit rating was bad
- . I went to the Ebs they said yes we will give you a mortgage. My last mortgage was fixed so I said I'd take fixed again. Delighted I told my colleagues in work they advised me the tracker was best.
- I then returned to EBS and I asked to change to a tracker, I was told "you can't change your mind as the paperwork is done. I asked again and was told " sure it's only for 3 years, we will look at it then.
- My first year was interest only. So I then signed my life away.
- Regularly I went to the branches and spoke with various staff repeating what happened the day I signed for the mortgage
- firstly I was told when I asked after almost 3 years if I was to go on to the Tracker " we never offered to go from fixed to Tracker, the banks can't afford the trackers they already have".
- Time and Time I went to all different branches as I went to the people that were in the original office where I signed. I always spoke with them in an office reminding them of what was said that day.
- Never was I asked did I want to put in a complaint to the bank. On one of my last visits to the bank again I repeated my story only to be answered by " oh for God's sake, that is in the past you will just have to move on and forget it"
- next I heard on the radio about the ombudsman so I went back into the office and said I want to complain to the ombudsman the reply was "you have to make an official claim to the bank and if you are not satisfied with the results you can then go to the ombudsman.
- Early this year I was told I'm not part of the inquiry and I am now in adjudication with the ombudsman.
- Can you tell me how long this takes and what the process is? Also is it worthwhile thank you
This is my first post so I hope I did it correct