Hi all. I'm new to this forum and just wanted to confirm my experiences with KBC Appeal to BDO.
I submitted our appeal last November, and I included a lot of detail and a lot of documents with the appeal form. There was a lot of activity for four months, with a great deal of further documentation requested and a series of replies from KBC to which we had to respond (they initially misrepresented some issues about our mortgage but then conceded that we were right and they were wrong). We asked for an oral hearing and were told that that might be considered. Since March there was no activity, just monthly holding letters, and BDO are not very helpful in explaining what is happening or what the likely timeframes are. Finally last week we got another letter asking further questions about another mortgage we have with another bank (entirely irrelevant it seems to me) and I am replying to that.
I'm not sure whether we'll get an oral hearing - while we did suffer a lot emotionally during the years of financial pressure and conflict with KBC we managed to avoid specific ill health and we just about managed to keep the house, while struggling with arrears and other debt.
The entire Appeals process is slower than I expected (clearly a part-time job in BDO) and it's getting a bit frustrating.