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Bungaro Sent a pm.... I am still interested in going forward wit this case looking forward to getting the ball rolling. Kim

letter is gone now by reg post, I asked them to reply within 14 days, thanks to all of ye for the useful information. Bungaro, that would be great, thanks very much........and in the meantime I'll wait patiently for my reply from AIB :rolleyes:

Hi All I have just done my letter to AIB going to reg post it today. all the advice here is great.

Thanks Brendan, I rang aib asking why I wasn't offered a tracker when my fixed rate ended in 2013 and was told that it wasn't a product at the time?? It's only being offered to me now in 2016?? I know now that I wasn't offered it in 2013.

Just wondering what do we do now? I haven't replied to the letter, so I'm automatically on variable rate now of 3.4%.... Do we wait to hear more?

Hi Brendan I fixed in late June 2008 for 5 yrs so that ended in July 2013, I am 99.9% sure wasn't offered a tracker then hence getting that letter but of course I have every document relating to my mortgage except that letter offering me the rates for 2013.... I need to have a proper look...

I think the penny might be dropping I read this thread so many times now and that thing about clause 3.2, so I sat down and looked at my contract and I have that same clause,so am I right in saying that when i fixed for 5 yr in 2008 that when the fixed period was up in 2013 that I should have...

See on the news today about 3000 aib customers getting trackers, I'm still none the wiser about the letter I received about the prevailing tracker rate, I rang aib and they guy said those letters were issued to people who were on trackers before but he told me I should speak to a financial...

No this letter came out of the blue, my fixed rate ends next wk so I got the letter with the different rates available to me. If I didn't reply I would automatically be put on the variable which is now 3.4% then a few days letter I got the same letter you seem to have got offering the prevailing...

Hi I got the exact same letter offering me the tracker at the prevailing rate of 3.67%, my fixed rate expires next wk, I'm waiting on a call from my financial advisor to enlighten me as to what this letter is about, to say I'm confused is an understatement. Is this aib offering a tracker that I...

Hi just wondering if anyone can help me with the following, I dont understand the maintenance part used as means for OPF payment, it says €95.23 can be offset against maintenance payments is this correct? Income from part time work €150 Maintenance (1Child)...

I realise its not a qualifying payment, he was told to stay on VTOS as he had intended to take up a vtos course in September if he didnt get into college and that he could switch from VTOS to BTEA if he got an offer, we didnt think there would be a problem when it clearly says that 'you can go...

Black sheep, thanks for the reply, I was looking up www.welfare.ie back to education allowance, it was last modified on 22.03.13 below is budget 2013 changes from the website. then down further it says how to qualify and that you can go directly from VTOS to BTEA, and when I mentioned this in...

Thanks for reply, He is on VTOS still as if he didnt get college he was going to do another vtos course, but just got word that he was accepted to college and was advised earlier in the year that he could switch from VTOS to BTEA but when he got the offer he went to switch to BTEA and was told...

I was in the social welfare office the other day in relation to my husbands BTEA, he was on VTOS last yr and depending on whether he got a college place in college he was going to apply for BTEA, he got word that he got a place so went to social welfare to apply to BTEA but was told he wasnt...

my husband is out of work and on social welfare for the last 9 months he is now enrolled to go back get his leaving cert and hopefully get something out of it , he has loans in his own name from before we were married, can he look for a deferal until he is finished school? (he didnt have payment...

husband is on jobseekers benefit after losing his job last November 2011. He left school nearly 20 yrs ago without doing his leaving cert and after sending out 100s of CVs in the last 6 months to no avail he is now thinking about doing his leaving in the local further education centre in...

wife's earnings being taken into account for court ordered maintenance of husbands child from previous relationship, why would that be?husband is on jobseekers so is wife obliged to provide for child that is not hers?

Hi My car is currently sitting in my drive as it is for sale, the tax is out since end of march and I am not taxing it as its not on the road, I hope to sell it soon, I know that the new car tax laws wont allow you to get the form signed in the garda station anymore if the tax is out but I am...

what happens if the majority dont pay and its looking likely, will the ones that did pay be entitled to get their money back?