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    PTSB High Court upholds Ombudsman's findings against PTSB on loss of tracker mortgages

    Trackers were withdrawen in 2008 so no tracker margin to compare it to in 2009. We were offered ECB which was 1% + margin of 3.25% for a rate of 4.25% The SVR offered was 3.79%. I believe the margin should have being the same value it was in 2006 which was 1%.
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    PTSB High Court upholds Ombudsman's findings against PTSB on loss of tracker mortgages

    I am one of those Kaza. Offered a margin of 3.25% after the fixed rate expired. My APR as outlined in my loan to offer was 4.5%. Should this be a factor when deciding the margin after the fixed rate expired. The ECB rate in 2006 was 3.25% so would that have meant my APR was 6.5% and not 4.5%...
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    PTSB High Court upholds Ombudsman's findings against PTSB on loss of tracker mortgages

    If the margin is not stated perhaps it is worth looking at what the APR stated is. Maybe this will dictate what tracker margin you should be offered if the High Court upholds the decision. The margins would have been in the region of 0.5% to 1.5% around 2005-2007
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    PTSB High Court upholds Ombudsman's findings against PTSB on loss of tracker mortgages

    Would be interested in knowing what margins those waiting on this decision were on. ECB + ?? Would assume it was close to ECB + 1%
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    Worth changing to taxed as married couple?

    What about 75k and 55k..any benefit Have being married 4 years and never changed it over.
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    personal income tax changes

    Stlll no clear on this Incomes of €12,012 or less are exempt. Otherwise, €0 to €12,012 @ 1.5% €12,013 to €17,576 @ 3.5% €17,577 to €70,044 @ 7% €70,044 to €100,000 @8% PAYE income in excess of €100,000 @ 8% Self-employed income in excess of €100,000 @ 11% Does that mean a person...
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    High court upholds appeal by Danske Customer over Ombudsman's judgement

    Does this only apply to Danske customers? What about PTSB SVR customers?
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    PTSB PTSB Fixed rate expired in 2009, should have been offered tracker??

    Yes you are correct Steiner. I read my contract wrong. In 2009 I would have being given the correct ECB rate which was 1%. I guess my beef is why PTSB can offer a margin of 3.25 when they were offering margins of 1% in 2006. There seems to be a lot of variances between PTSB mortgages - some...
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    PTSB PTSB Fixed rate expired in 2009, should have been offered tracker??

    I have the same wording in the special conditions section of my PTSB contract. When we drew down our mortgage IN 2006 the ECB rate was 3.25. On expiry of the 3 years fixed in 2009 the ECB was 1%. PTSB offered us a tracker rate of 4.25 which was ECB (at the time we drew down the mortgage) + 1%...
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    Car warranty question

    Yes have to agree with you Sunny. It has taken me by suprise to be honest.
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    Health insurance increase of 1300 euro!?!

    I would advise to stay clear of VHI. I have a policy with them and they are very difficult when it comes to paying out. My 6 month old son is not covered for gp visits. Just one example but crazy considering we pay 2500. Also my wife took him to 2 baby massgaes and i thought we were covered...
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    Car warranty question

    Thanks Sunny. Did your friend also get covered for the labor costs. Seat Ireland are only willing to pay 70% of parts leaving me to pay 300 euros. Plus an additonal 380euros for labor and 70 euros for diagnostics. Warranty was up 11 days when we first reported the fault.
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    Car warranty question

    Just an update on the progress of this. Seat Ireland will pay 70% of the parts which means in total I am getting 50% of the total cost paid. I have to pay the remaining 50%. The orginal garage where I bought the car have said it is nothing to do with them and I should be pushing Seat Ireland...
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    Car warranty question

    Ok, appreciate that. So this morning I am now being told that the increase from 50% to 70% goodwill makes no difference to my final bill of 800 euros. Got some excuse about parts and labour and how it is calculated so therefore when it was 50% goodwill the cost was 800euros and when Seat...
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    Car warranty question

    Thanks again Pat for the informative advice. I have started searching like you mention. Seems they are a lot of these power steering issues. I have being speaking with the citizens information team and they explained my options if I fail to get this resolved. They include submitting a claim...
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    Car warranty question

    Thank you Pat. That is some great feedback. The original dealers are not taking any responsibility. They are advising me to push Seat Ireland and the Seat dealership who currently have the car. As far as I know there was no recall and Seat Ireland have said that this is not a wide spread...
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    Car warranty question

    After speaking with Seat Ireland they have gone from 50% up to 70%. So I went back to the dealers who have the car and advised what Seat Ireland told me (they would increase the 50 to 70%) However the dealers are now saying it was originally 70% on the parts and this not change the fact (even...
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    Car warranty question

    Seat are willing to pay 50% of parts costs and nothing towards labor/diagnostics meaning a bill of 750 for me.
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    Car warranty question

    Thanks Frank..will post an update later today as I am expecting a call from Seat Ireland with a decision. They have receieved the application from the Seat dealers who now have the car and have also receieved the technical report.
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    Car warranty question

    Gerry, thanks for advice. Unfortunately warranty expired on Feb 17th 2014 (2 week ago)
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