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I spoke to a Dispute Resolution Officer on Wednesday. I was very much a fact finding exercise. I outlined my case and provided the backup of the original offer letter which stated that it was on a PDH at a tracker rate +.95% margin and the subsequent letter which was signed about a year later...

That is it in a nutshell. I will share what documents I have and hopefully the Ombudsman will look favourably on this.

I appreciate your help Redonion. I understand that the Buy to let rate might look odd but at best it was a clerical error by the Bank. The mortgage is jointly held by her and her father on land where her father granted her the site to build her house. This site is adjacent to her parents house...

The nub of the issue is that she was on a Tracker mortgage in 2007. She looked for a top up on the tracker mortgage a few months later which she assumed she was signing up to and did not read the fine print which locked her into a Buy to let rate. My understanding is that at this time Tracker...

She was granted a tracker mortgage on her private dwelling home at the ECB rate +.95% margin. When she sought to get a top up on the mortgage they bundled the initial mortgage plus the top up together in a Buy to let rate. Thus removing her tracker rate. Unfortunately she signed this but did not...

Apologies for not being clearer. The original mortgage in March 2008 was a Tracker mortgage of < 60% LTV as shown below. In March 2008 an additional 30K was needed to finish out the property. Rather than being a top up of the existing tracker mortgage my relative was taken off the tracker...

It was in the best interests of the Bank that her tracker mortgage rate was removed! Ethically wrong but I don't know if this will be successful on appeal with the Ombudsman.

Guarantor was always there.

Mortgage is in her name and her Father (acted as a Guarantor) She is living in the house. She moved from the Buy to let rate in April 2010 to a variable rate for a PPR of 2.59%. The Buy to let rate was eventually amended to a PPR loan to value rate of less than 50%. My contention was that she...

I will clarify this with her but as far as I am aware she was living with her Parents and this house was being built as her PPR. This was always going to be a PPR.

They were building this as their PPR. It was built on family land and has never been rented nor was their ever an intention to rent the House.

Thanks for your response. To expand on my original post. My relative was on tracker mortgage of LTV less than 60% +ECB +.95% in March 2007 for mortgage of 150K. An additional 30K top up was needed and agreed I August 2008 and that is when they were changed to a much less favourable Buy to let...

I lodged an appeal to the Ombudsman this summer on behalf of a relative. My relative took out a Home mortgage at a tracker rate in 2008 for 150K. They needed an additional 30K to finish the property. Unfortunately this is where the problem arose. Instead of getting a 30K loan to finish the...

Hi Snowyb. What plans would you recommend for me and my family?

Thank you Snowyb

My health insurance is up for renewal in the next few weeks. Currently on the VHI one plan 500 for myself. My wife has the VHI company plan level 1.3 along with our new born. Our 3 year old is on the VHI one plan 150. We got great advice last year. Hoping for the same this time around ;)

Hi Snowb. Thanks for all your help. Would my parents be able to avail of the additional benefits of the laya plan now or would they have to wait 2 years? They are a bit nervous about moving away from VHI.

Following on from making my own savings based on SnowyB's advice my parents Health care plan is up for renewal. They are currently both on the VHI One Plan. Both are in their 70's and need good cover just in case. One parents has had heart issues in the past. Both are based in the Kerry region...

Bump :(