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    BOI not moving with their rates for me

    Sorry yes you are correct 2.3%
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    BOI not moving with their rates for me

    If the mortgage protection cover issue is not a problem, for Ulster bank. Switch to them, you'll get 1500 towards switching, the cost of my current switch is 900. I'm getting 2.1% for 2 years from Ulster bank
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    PTSB PTSB 1 year discounted tracker - Central Bank has deemed them not impacted.

    This is disappointing, the effected folks need to join together and take this to the courts.
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    When will the FSO determine that the Tracker examination is complete?

    This has been a key point for me also, how can a contract be fair when one side has complete control of the rate charged. I can't understand how they've been ignored.....
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    Are you awaiting final decision from your bank?

    The banks are doing there usual trick here (least cost to them), they have only deemed impacted the cohorts that the CBI have told them that they have to deem impacted. They have no intention of finding any other cohorts, there are clear outlier cases that the banks themselves won't find...
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    Ulster Former First Active now Ulster Bank Customer

    That's not the information I've gotten from the ombudsman, there may be a slight chance that they'll look at it again if some new evidence comes to light, but they won't adjudicate on the same grounds as the previous complaint. The poster should send their complaint to the ombudsman anyway, and...
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    Ulster Former First Active now Ulster Bank Customer

    You can't go to the ombudsman for a second time, with the same complaint. Its very easy for the banks to give customers who have already failed with the ombudsman, a not impacted status in central bank tracker review, as those customers have no way of appealing that decision.
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    BOI, incorrect rate

    From the parts of the MFA you have posted I can't see that it states what rate you return to after the fixed rate period ends. Therefore the original term of the loan should come into effect. Since your original terms contained "the interest rate shall be no more than 1.25 above (repo rate) FOR...
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    BOI, incorrect rate

    I can't see that the MFA states what the interest rate will be after the fixed period expires. It does state the following at point 5. "5. Save as set out in this Form of Authorisation, all the terms and conditions applicable to the Loan remain unchanged" In my view the condition "FOR THE TERM...
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    BOI, incorrect rate

    From a legal point of view it depends on the contents of the Mortgage form of Authorisation in Oct 2007. But for sure there is ambiguity, the original contract states what the rate will be for the term of the loan. If they didn't make it clear when you signed the Mortgage form of Authorisation...
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    BOI, incorrect rate

    I thought there may have been some ambiguity in the wording, but it appears that you knew what you were doing. I don't see any case here.
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    Bank of Ireland BoI Staff on fixed rates who are not getting their trackers back

    Its seem that Bank of Ireland feel this is done and dusted. The only hope now is to apply pressure to central bank some how. The other option is the courts. Today they didn't want to discuss the reason the mortgage type was changed on the 11 Nov 2008. Anyone who checked the system before this...
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    BOI, incorrect rate

    Would it be possible to see the Oct 2007 Mortgage form of Authorisation, you should cover any identifying information. It seems bazaar that you would choose the higher rate.
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    Deemed not impacted by KBC not getting answers

    How are you appealing it? FSO won't look at it again if you are complaining about the same issues.
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    Bank of ireland Tracker mover product - 5 year limit scrapped!

    Make sure you get that in writing. It sounds like sometime they've promised in the past but not lived up to, thats why we are here.
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    Bank of Ireland BoI Staff on fixed rates who are not getting their trackers back

    Rossie I think your in a very unfair situation. In previous years the FSO relied too heavily on the contract, and did not take breaches of the consumer protection code seriously enough. I assume you went to the FSO yourself without any professional help, in my view this is the major downfall...
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    Bank of Ireland BoI Staff on fixed rates who are not getting their trackers back

    From my reading of it, it looks like the FSO just wants to determine the current situation, once they have confirmed that the central bank review is over for your account then they will look at your complaint in full. I think you should some advice on this, the FSO may not be the right route.
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    Bank of Ireland BoI Staff on fixed rates who are not getting their trackers back

    It looks like you have no grounds contractually. Your only hope here is that there is a breach of the consumer protection code, I not convinced that the FSO is the right approach, in the past they have relied heavily on whats in the contract. My opinion is that Bank of Ireland have form in this...
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    Central Bank Governor at the Finance Committee next week

    Derville Rowland, would not speculate on specific lenders, so little point in asking direct questions. They took a 30 minute break at 1pm. John McGuinness, was probably the best, he really pointed out to the central bank, that the consumer protection code is not being enforced (basically being...
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    Ulster giving me back my tracker, but changing the contract wording.

    Sorry Brendan, I don't trust any of the lenders, if they can pull a fast one to make more profit they will regardless of the past. No one will be held accountable for this, the bonus culture is coming back, they'll do whatever it takes. So yes they are likely to mess with trackers in the future...
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