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Hi All, Just a quick update on where I am - as of yesterday confirmation from Bank that I am back on the tracker rate and refund has been made to my current account so I'm happy out. Neswill if you find that you are entitled to the tracker -ask the bank straight away to give you a letter of...

Hi TillyD - did you look at your original mortgage contract to see what the wording was on that? Or did you receive any correspondance from them last April telling you that you were one of the 2096 customers entitled to tracker rate ? It certainly seems very suspicious to me that they are...

Hi TillyD I would certainly enquire as to why they are now offering you a tracker rate -have a look at your original mortgage contracts etc. It certainly seems a bit fishy that they are giving you this option now when they are so allergic to trackers . If they did make an error I would...

Hi Brendan-thanks for that -yes you got it exactly right in your summary. Best of luck to everyone else who's pursuing the same course- I know it was time consuming and stressful but it all paid off in the end. The bank have also agreed to refund me the difference between fixed and tracker...

Hi All , Just a quick update as to where my case stands now. The FSO sent the Bank a letter with a list of questions about 6 weeks ago giving them 21 days to respond to same. About two weeks ago the bank responded saying that they were now willing to contact me directly to resolve the dispute...

Hi Brendan, Swiggy and I are going to take your advice and send a letter to the Central Bank with our concerns, and we will also try and round up a few other people on this forum to include. Do you have any advice in terms of details we should send as we dont want to overload them with...

Hi Swiggy, I feel your frustration but I think Brendan is right with his advice about not payying the break fee. Do you mind if I ask how many years did you fix for and did the bank quote that amount of a break fee ? They didnt give me any amount just said I would be liable to pay it but I didnt...

Hi all just to keep you updated on my situation, received a letter from the FSO thanking me for agreeing to enter mediation but they said the other party did not respond in the time frame alloted so they are obviously not interested in entering mediation so the FSO will now make a decision on my...

Hi Swiggy, yes I got some waffle from the bank that they informed people of the situation at the end of April because thats the date the Central Bank told them to do so and that there would be no question of anyone getting advance warning . My issue with the them and the Central Bank is that I...

Success story - BoI agrees to immediate reinstatement of tracker Hi all, I am in the same position with BOI -having come off a fixed rate last August 2010 and reverted to variable rate.I fixed again in March for 5 [email protected]% and then received a letter in April informing me of the Central bank...

I have moved these posts from this thread as the different cases were getting complicated and hard to follow - Brendan Summary August 2010 |came off a fixed rate onto variable March 2011| Fixed for 5 years @ 5.1% April 2011 | Bank told me I should have been on tracker from August 2010 and...