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My question was this, if you overpaid your interest over a number of yrs, say 5, at a rate of €500 per month you would entitled to 30k overpayment returned but if it was treated as an overpayment on the principal for 5 yrs it's potential impact is to reduce your mortgage by 50 - 60k, isn't it...

if the bank treated the excess interest charged as overpayment couldnt that have a higher benefit to the customers? not at low levels of overcharge, but for those of us with high overpays and long time periods? why is this not an option?

Why do you say the 90% would not win if they went to court? if you should have been offered a tracker option and you werent, isnt that clearcut?

I quite amazed at the attitude to be honest. Annoyance isnt what people have suffered in this debacle, annoyance is losing a fiver and not getting a coffee. When a financial institution systematically takes more money from you than you owe them for years it causes much more than annoyance. Is...

We will need a Facebook page and twitter account to spread the word wider

Dec 8th is the train strike date January makes more sense but remember the Dail does not sit at the weekends, nor the CB work, so while it is better for numbers you are protesting to an empty building. I think Jan would be better as the deadlines given would be passed and the point more...

Anyone else annoyed by the mention of compensation only and not redress?

I'm heading into the dail this evening for the ff motion. It's been delayed til 7pm, if anyone else wants to go.

Anyone going to the dail tomorrow for private members time? FF submitting a bill.

What would the petition say?

V interesting piece in the examiner today, I can't share links but it's judge mcnulty. Headline: Judge reveals €17,000 overcharging ‘to give heart to others’ “I indicated that I was inviting them to make a proposal for restitution and to avoid litigation,” he said. “I told them that given...

Also like this idea very much This must be resolved in a way that puts the banks on their arses like it has done to us We will need to see the banks hit so hard they never contemplate taking action against the consumer again

To be clear I wasnt asking, I was putting a list of things that would be useful for people in this position to have access to

We will need to organise and start to speak out. One of their tools against us is our slience and our unwillingness to 'make a scene'. they are bullies in this and bullies thrive on the silence and the shame of victims. We did nothing wrong. It is time for us all to have a good long think...

It is dispiriting to watch this coverage today basically the CB is saying write to the banks and then the ombudsman and go to court, we'll write to them too, but we can do nothing for the individual in the face of the biggest financial scandal in the country.