hello,
I am a first time poster but a long time beneficiary from the knowledge, experience and guidance of others who post here (thank you!)
Background is similar to others here where I moved from UB tracker ECB+0.85% to fixed around 2004 - came off fixed in 2009 and variable was applied. Moved to AIB at better variable rate in 2010. Was (out of the blue) deemed impacted in late 2017 and compensated for period 2009 to 2010 only - I challenged this (over and over) and got my tracker back with UB early 2019 and comp/redress at the time. Comp included 12% rate and I have challenged this to the UB lover panel via BDO.
I have appealed on the basis that the 12% is insulting considering that I had a young family of 3 (in 2009 - 7 yo, 4 yo & 3 yo) and we made a LOT of compromises on family events, birthdays, holidays, time together - also mom and dad were seriously financially challenged at the time - and it now turns out we were being robbed (yes - what occurred was premeditated and, lets call it what it is - a crime!). I am not happy about the level of compensation or a piecemeal letter of apology.
I have now been asked by BDO to provide my P60 from period 2009 to 2018. I am not sure that these alone could fully clarify the weekly struggle that we would have experienced in the early years but I am not sure if there is anything else that I would provide that would be beneficial. I don't have doctors bill for that period but had to undergo surgery last year on a kidney - I am convinced (sorry - maybe irrational) that this was in no small part caused by financial stress over the prior decade with a young family. I have no idea how to demonstrate how this has hurt and feel insulted by the low compensation - how do you measure or apply a value when your believe in institutions have been undermined by their ill will towards a population they are supposed to serve, how to compensate for all the times I denied my young kids a much deserved experience - cinema, activities, etc. How can I put a value on the stress in my wife's face when I reminded we had to watch the grocery spend week in/week out. How can I ever be ok that I had to borrow from my in-laws to bring the kids on a modest summer break, how is it ok that my credit card was always in the red - I never defaulted on any debt, made every payment and have worked myself out of this struggle - no thanks to UB leadership - the amoral crooks !
Sorry for the rant...My question is, did anyone appeal compensation? were you asked to provide P60's? Is there anything that would help my case?.....or should I just take up yoga and move on with my life?
Appreciate your wisdom!
truly marbled!
I am a first time poster but a long time beneficiary from the knowledge, experience and guidance of others who post here (thank you!)
Background is similar to others here where I moved from UB tracker ECB+0.85% to fixed around 2004 - came off fixed in 2009 and variable was applied. Moved to AIB at better variable rate in 2010. Was (out of the blue) deemed impacted in late 2017 and compensated for period 2009 to 2010 only - I challenged this (over and over) and got my tracker back with UB early 2019 and comp/redress at the time. Comp included 12% rate and I have challenged this to the UB lover panel via BDO.
I have appealed on the basis that the 12% is insulting considering that I had a young family of 3 (in 2009 - 7 yo, 4 yo & 3 yo) and we made a LOT of compromises on family events, birthdays, holidays, time together - also mom and dad were seriously financially challenged at the time - and it now turns out we were being robbed (yes - what occurred was premeditated and, lets call it what it is - a crime!). I am not happy about the level of compensation or a piecemeal letter of apology.
I have now been asked by BDO to provide my P60 from period 2009 to 2018. I am not sure that these alone could fully clarify the weekly struggle that we would have experienced in the early years but I am not sure if there is anything else that I would provide that would be beneficial. I don't have doctors bill for that period but had to undergo surgery last year on a kidney - I am convinced (sorry - maybe irrational) that this was in no small part caused by financial stress over the prior decade with a young family. I have no idea how to demonstrate how this has hurt and feel insulted by the low compensation - how do you measure or apply a value when your believe in institutions have been undermined by their ill will towards a population they are supposed to serve, how to compensate for all the times I denied my young kids a much deserved experience - cinema, activities, etc. How can I put a value on the stress in my wife's face when I reminded we had to watch the grocery spend week in/week out. How can I ever be ok that I had to borrow from my in-laws to bring the kids on a modest summer break, how is it ok that my credit card was always in the red - I never defaulted on any debt, made every payment and have worked myself out of this struggle - no thanks to UB leadership - the amoral crooks !
Sorry for the rant...My question is, did anyone appeal compensation? were you asked to provide P60's? Is there anything that would help my case?.....or should I just take up yoga and move on with my life?
Appreciate your wisdom!
truly marbled!