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20 years, Wow!! Congratulations, that's a great achievement. I'd love to join you for a pint but I'll have to see what day it lands on. Friday 1st won't work for me as we have dinner and baby sitter already booked for our first night out in a while! :-)

I think this short [broken link removed] from Helen Dixon ( Data Protection Commissioner for Ireland) may answer some of your questions.

I agree with the opinion of others above that you are probably focussed on the wrong things from the experience. It can be frustrating when you don't get feedback, I have experienced this in the past and now I am an employer we make sure to provide feedback because we understand the importance...

Hi kb2018, I brought a case to the Ombudsman and after a long process of back and forth my case was not upheld. However KBC do now let you apply for the lower rate if you get a valuation: https://www.kbc.ie/our-products/mortgages/existing-customers/pdh-offer I still think it's not good that...

I wouldn't assume anything with banks terms and conditions, especially KBC. I do wonder why it says "towards professional fees (legal and valuation costs)": If it's just €3,000 would they not say a reward or cash payment etc? It seems odd to me to include the professional fees when other...

"Get €3,000 towards your professional fees" seems a little unusual, are professional fees that high? When I investigated moving (though unfortunately I could not qualify for a move due to be self employed) I was quoted less than €1,400 for everything? So maybe the offer looks better than it is...

Hi All, We have phone and broadband from Vodafone (Vodafone at home) and last week I noticed on my bill that there was add on for "Vodafone PC Protection (1 licence)" that was €2.99 + VAT. I queried it with them and they told me that they would have to listen to previous calls to determine...

I recently got some minor repairs done by carcraft.ie in Dublin and they were more than half the price of the other quotes I got and seemed to have a better reputation based on some researching online. They will give estimates via their website if you have pics, might be worth seeing what they...

Hi Andrew, I had a look at the original mortgage contract which suggested the loan was variable rate and not a tracker.

I think Brendan is referring to the fact that they are giving early responses with some information. The FSO process in the past has been very slow so I understand, and they are trying to make it faster and smoother now and this seems like a useful step

Good work Brendan! I made a submission too. It's much less detailed than yours and it's attached if you want to have a read.

Yep I agree, by sold as seen in meant you buy it with the knowledge you have from viewing and surveys etc unless it's something are required to reveal

That's very short and inexpensive list, I would have thought that you would not want to risk an in demand house for these things. Also it's my experience that unless it's something exceptional or relates to planning etc that houses are sold as seen. You have paid an surveyor to give an...

While the current rates that you can avail of are good, their terms and conditions if you take the new rates mean they don't have to pass on future cuts to you so still probably a good idea to proceed IMO

If we referring to a one off transaction I can understand this statement. But a variable rate mortgage is a long term product and the customer understands that the rate may increase or decrease based on the costs or strategy of the bank. But the CPC requires the bank to treat customers fairly...

It is worth checking out the [broken link removed]. A lot of people think that is the case but it is not so straightforward, they are allowing existing customers to apply to switch to the new business rates BUT they explicitly state they will not pass on rate reductions made available to new...

I would like to avail of the new lower rates for existing customers but I will not be applying for it in the current state as the terms and conditions are very dubious in my opinion. They are asking for significant changes that are favourable to them and not customers, all just to get what...

Hi All, As part of [broken link removed], KBC are requiring customers to accept new terms and conditions. There is a condition that appears to be very unusual: 39(a) We reserve the right to amend these terms and conditions and the General Homeloans Terms and Conditions applicable to your...

Do you not think banks have any responsibility towards their customers?

Subjective rather than futile, which is where the Central Bank has some responsibilities as the authority. Check out the [broken link removed] and see how many times it refers to "fair", in particular this: 2.1 A regulated entity must ensure that in all its dealings with customers and within...