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    List of Tracker Related Ombudsman Decisions

    Yes - they had a token effort at mediation. Then over a year of exchange of submissions and by start of this year it was close to being adjudicated (was told it was taking so long as it was complicated). The the fso published their 2018 decisions in January so I sent in some more comments and...
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    List of Tracker Related Ombudsman Decisions

    Mine was Feb 2017 and still not finalised!!
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    PTSB PTSB: "Tracker probe is complete"

    I understood you had to appeal to the fsop within 1 year of the CAP panel decision - if this is the case are you time barred from going or have they a longer time limit?
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    How long for a Tracker Complaint

    Identified as impacted but given token amount as I had moved bank (for period up to date I left PTSB). Went through the PTSB appeals process and had partial victory (offered redress for full period to date and to be offered tracker back but at the 3.25% rate) and then appealed to the FSO
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    How long for a Tracker Complaint

    They said my case was particularly complex so not sure about the grouping. I will be following up at the end of the month to see when they think they will be coming to a decision!
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    How long for a Tracker Complaint

    Depends on the complexity but i finished my exchange of info with PTSB (as part of the FSO complaint submitted in Feb 2017) in the middle of August 2018 and there is still no decision from the investigation office.
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    BOI possible switch

    I fixed for 5 years at 2.8% so would love to know if you get a better rate - keep us posted.
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    PTSB ptsb letter to brokers explaining changes in tracker price promise

    Aah. I have used the broker flyer as one part of my complaint to the FSO as the flyer issued after i took out my discounted tracker so in my view they moved the goalposts after i drew down and did so with no warning. All submissions exchanged with PTSB and so now just waiting for final...
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    PTSB ptsb letter to brokers explaining changes in tracker price promise

    Brendan Has something happened recently on this?
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    EBS announces cuts to fixed rates

    Sorry about that - hopefully you will be out soon!
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    EBS announces cuts to fixed rates

    Don't know if you can switch but Ulster are doing 4-5 year fixed for 2.6% and if you are with BOI and challenge them they usually give reduction on their quoted fixed rates (i got 2.8% for 5 years)
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    Switching & Moving from single to joint mortgage

    thats great news - never any harm is asking!!
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    Finance Committee meeting Padraic Kissane re Tracker Progress

    Its over as all members asked their questions - Padraic is not back at 3.30 someone from the oecd is
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    Finance Committee meeting Padraic Kissane re Tracker Progress

    I came in about 40mins late but did I hear correctly that he said ptsb had reengaged with him or was that about something other than the 3.25% rate issue
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    Switching & Moving from single to joint mortgage

    I rang them up and told them I was thinking about moving and i could move to Ulster bank and get 4 year fixed for 2.6 or 5 year fixed for 2.5% and could they match to stop me moving (same approach I take with all the utility companies). I had done nothing else except rang them. They said they...
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    Switching & Moving from single to joint mortgage

    In BOI you can over pay by greater of 10% of monthly payment and €65 - I also reduced term by a couple of years as i know what the payments for the next 5 years are going to be - something to consider but everyone has their own preferences.
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    Switching & Moving from single to joint mortgage

    Should also consider talking to BOI and tell them you are thinking of moving and can they match AIB rate - i did that and got a 5 year fixed for 2.8% (please no one tell me rates are going to fall significantly again)!
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    Time limit for Ombudsman response

    Not sure when they will revert - I have a similar time line - complaint in feb 2017, in mediation till October 3017 when it moves into investigations. You should ask them have they issued a letter to finance institution looking for their position (mine issued end Jan and the bank have till end...
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    Time limit for Ombudsman response

    If its tracker mortgage related they have put a stop on some investigations till the Central Bank review. When you say its with their investigations team since last February - did it not go into mediation at all?
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    PTSB PTSB 1 year discounted tracker - they have put me back on the right rate

    I agree it is clear that, as expected, ptsb will not give in and will fight it out till the end regardless of the impact their behaviour has on the lives of their customers. However, using their analogy -if you come off a fixed rate now you do not know what the rates will be, our situation is...
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