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    Examples of successful appeals for additional tracker compensation...

    Hi there - my friend did - it was with BOI - the process was relatively painless and they got extra compensation They did not have an oral hearing by they way - they just got a cheque/bank transfer.
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    KBC KBC fixed rate

    i am not an expert but have been getting up to speed this last year I think your loan offer/loan contract should state 1)what product ( tracker or SVR)you would move to once the fixed period expired and 2) your application form should have given you the option to select either the tracker of...
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Hey Trackman - great news - congratulations- nice present for Christmas - and well done on your persistence. Just wondering - during all this did ebs send you letters saying you were deemed not impacted or did you get a letter to say you were impacted? loving the 'administrative error'...
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    EBS advertising as Mortgage Masters I have noticed a lot of people here have mentioned how much EBS calling themselves 'mortgage masters' has really grated based on their actual experiences dealing with EBS and their mortgages - see https://www.asai.ie/ The Advertising Standards Authority for...
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Hi Spires - The times I called the 'EBS Helpline' I was told something pretty disingenuous stuff as well e.g. the reason you don't have a tracker is all your brokers fault nothing to do with EBS. They also referred to the broker I used as my 'chosen intermediary' - that made me laugh - he was...
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Hi Spires - That very similar to my situation and in the very same month, jan 2008, I requested a tracker mortgage and following this request I was given an amended loan offer in FEB 2008 of a variable base rate 5.25% ( i also went through an EBS broker and my broker was also pushing that I...
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    Taking banks to high court?

    Hi Pokemon - would you pm me who you are using to take the legal case ? and let me know do u find them good etc ? are you appealing your compensation or looking to have your tracker re-instated
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    AIB AIB tracker mortgage prevailing rate

    Thanks for this tip tracker scandal !
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    AIB AIB tracker mortgage prevailing rate

    Hi Tracker scandal _ I would really appreciate it if you don't mind- would you post the rates from january 2008? many thanks
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Hi There - I just saw this in another thread and though it was really worth posting here for 2 reasons ...... see attached image all bank rate in june 2007- 1) EBS has no mention of SVR only variable, only one variable product in the list however 6 tracker options available defined by LTV (...
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Hi Tonymac - have you written to the central bank on this - based on all the info provided in this post I to date I cannot understand how the CBI have not picked up on this very strange thing called the EBS variable base rate - or rather the amazing chameleon rate -
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Hi Tony mac - does the application form she filled in, in 07 not say what she will transfer to after the fixed loan period has expired or even give her an option to fill in the details for the tracker ? i would ask them where was the option on the fixed rate application form to choose to opt...
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Hi Tonymac re but she was never advised of the existence of a tracker even though EBS alleged in their final response letter that they were widely available and advertised So On this - 1. see attached the ebs application form from late 2007 - only rate mentioned here is EBS fixed and tracker...
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Please again see this Online homeloan application available on the EBS website in 2007 November http://online.ebs.ie/internet/pdffiles/public/ebsmortgagerepaymentform.pdf see attached Have a look - there is no option on this application form to apply for a SVR - its is simply not there - the...
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    Taoiseach "wouldn't rule out" prosecution of bankers over tracker mortgage scandal

    also brendan - have a look at this http://online.ebs.ie/internet/pdffiles/public/ebsmortgagerepaymentform.pdf see attached from the EBS website in November 2007 Have a look - there is no option on this application form to apply for a SVR - its is simply not there - the only option is for the...
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    Taoiseach "wouldn't rule out" prosecution of bankers over tracker mortgage scandal

    Well Brendan - if you have 1,000's of people in EBS who were denied returning to their tracker rate after going on a fixed rate - even though this was the contract they signed up to - I hardly think its very hard to find out who came up with the idea and signed off on going with that policy of...
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    Taoiseach "wouldn't rule out" prosecution of bankers over tracker mortgage scandal

    I think its time to start this conversation - Going through all my documentation and research I believe I could point to individuals who would appear to have behaved inappropriately - If that's so easy for me imagine what the CBI have access to?
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    I got my letter from EBS stating they deem me not impact and this is their final response. In short 1) I requested a change from a fixed rate offer they had already given me to a tracker - in jan 2008. ( via a mortgage broker) 2) On foot of this they send me a new loan offer - the terminology...
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    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Does anyone know if EBS deem me not impacted can I then take my case to the ombudsman - I took my mortgage out in 2008 - but i only realized last November I was misled - that tracker mortgages were in fact available in july 2008 - while I was told one was not available to me at that time ?
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    EBS EBS Tracker V’s Loan Ofer

    I am still getting the holding letters - What is taking so long I just can't imagine - i FOI'd all the information on my account - it would take a 10 year old 10 minutes to look at it - how it has taken ebs 6 months plus is beyond me - there was simply no information in the foi - either no one...
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