Just to clarify matters here.
The Central Bank has persuaded many lenders to put many thousands of customers back on trackers. I believe that many of these people who got back their trackers would not have been successful with the Ombudsman or in the courts.
The CB has persuasive powers only. They can't direct a lender to put people back on trackers.
The final decision rests with the Ombudsman and the Courts.
So, in some cases, e.g. the AIB Prevailing Rate issue and the Ptsb discounted tracker issue, I think that the CB was wrong in siding with the lender. But it's a matter of opinion and now the Ombudsman or the Courts will decide.
So to answer your questions - I think Padraic Kissane has played a blinder in persuading the lenders and the Central Bank that many borrowers should be restored. But he couldn't possibly have won every case.
So now, anyone who is not happy , must go to the Ombudsman or the Court.
I am assuming you have used up the KBC internal appeals system? If not, you should do so as you will see their arguments clearly and will be able to frame your complaint to the FSO accordingly.
Brendan