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I have been in contact with P Kissane's office - waiting for an update.

@MsBinky this is the pertinent question who is dealing with this EBS or AIB. It sounds from the comments here and in other places on the forum that there is huge confusion. From my reading the wording on both AIB fixed rate conversion forms and contracts were very similar to those of EBS The...

I am hoping to talk to Paraic Kissane this week to see if he has any information related to EBS. There must be a reason behind the silence in relation to their dealings with the tracker review.

Thanks everyone - It appears we are all in the same boat. It seems that the following points are common to EBS customers involved in this. - The loan application form is being used as a reason for not dealing with our cases. - The wording on the fixed rate conversion form is vague and...

Hello Has anyone had any success with EBS and having their tracker reinstated? It is very difficult to find any clear information on this. My case I had a tracker I fixed (2006) understanding that I would return to tracker (no warning - fixed rate conversion form stated I would return to...

Hard to get any concrete advice on EBS! Some get trackers back others don't. Makes sense - NO.

Hi there - a lot of people on here were in the exact same boat and some seem to have got their trackers back. I like you fixed for 3 years in 2006 and have not got it back - the details in question are the interpretation of 'applicable variable rate' which could have been seen as the .% above...

Hi Truffade That is the wording that was used on the fixed rate conversion form. The 'applicable variable rate' is in my opinion vague as my contract states that the rate will remain 1.25% above the ECB for the lifetime or duration of the loan. Therefore some might say that the 'applicable...

Thanks for your reply am I correct in saying that you didn't leave your tracker mortgage (by changing to a fixed mortgage) and that your issue was related to the restructuring?

Hi there - wondering if anyone has had any success with EBS related to reinstatement of tracker mortgages? I see a number of posts here with queries similar to mine. I had a tracker, fixed and was not offered the tracker back. The wording on the contract was vague 'applicable variable rate' and...

Hi RajR just came across this again now, I'm in exactly the same boat as you. I tried to private message you there but you must have it disabled. Would love to know how it is going for you? If you have a chance maybe private message me your email address, I did write to the bank and got a reply.

Thanks aidanob - quick question did you receive a copy of your processed loan application form (with the tracker section in it) from the bank when you were approved for your mortgage?

Raging Bull, I am interested in your reply regarding compliance to consumer rights. I could be wrong but from what aidanob has written it seems that the financial ombudsman ruled against him because in his loan application there was a checkbox which said that if one switches from a tracker to...

Hi Aidan - thank you forgetting back to me in such a detailed manner. When you say 'tracker rate application form' what do you mean? Was this the original application form that you filled in for your mortgage or did you change to a tracker in 2005 from another product? I have my loan offer etc...

Hi Aidan could you give me some details on what enquiry you made to EBS and what reply you got from them? Why did the Ombudsman find against you and for EBS?

I thought that I could fix for 3 years and then return to the mortgage I got in the first instance. I thought that the variable rate of +1.25% would apply after the fixed ended and was never told otherwise. I am seeing lots of people on here getting trackers back because of wordings etc. and...

I got an EBS tracker in 2006 and fixed in 2006 (mistake - hindsight is great). My tracker contract states that the interest rate was: Interest Rate Basis: Variable ECB Base + 1.25% When I fixed the conversion form stated that: I/We understand that when this fixed rate period has expired the...

I am with EBS and am concerned as everyone else is about increasing rates. I was on a fixed rate of 4.75% for 3 years which ended last november. I am currently on a variable of 2.63% costing me 840 a month. In May the rates will rise to 3.23% and my payments to 920 a month. I enquired about...

We have a small mortgage 27,000 over 7 years. We got the mortgage from KBC 3 years ago and we are in our sixties. We had it fixed but are now on variable 3.24% paying 364 euro/month. We can get a fixed rate for 2 or 3 years and pay only 8euro/month more. For security reasons we would like to...

Thanks for your replies, KBC state: " This means that your property is under insured and fortunately we cannot accept this policy until we receive the recommended insurance cover. We strongly advise you to instruct ... insurance to increase cover as in the event that a claim is made you would...