Only for this website, I would not have known about the tracker scandal and how much Ulster Bank could have conned me out of my tracker and overpayments.
I am one of the lucky 40 thus far that have had their mortgage adjusted back to what it should have been and MY overpaid amount refunded to me. Yes, it was MY money that they held onto fraudulently for over 6 years.
When I came to realise there was a problem and that I was likely affected, the vast majority of cases like mine were been thrown out by the FSO with no recourse to appeal. That scared the daylights out of me. Because of that, I engaged the services of Padraic Kissane to fight on my behalf and get my tracker back.
And fight Padraic did, as he has done tirelessly over the years for so many others.
My tracker was restored and my overpayments refunded within 5 months of Padraic taking my case. In doing so, they still claimed that they were right and we were wrong but that they were restoring me back to my previous tracker "as a gesture of good will". The arrogance of that letter I received just beggars belief knowing what we know now in 2017.
I got no balancing statement from Ulster Bank, no breakdown whatsoever of how they came to their final figure.
I got no compensation
I got no refund of the fees I gladly paid Padraic for the trojan work that he did on my behalf.
I'm not done with Ulster Bank just yet.