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Finally got an email that says im definitely not in scope. Im 2005..fixed for 3 years then prevailing variable after. I always knew i was clutching at straws(as some others have posted here) but after being crucified with mortgage payments the last 12 years it was nice to have hope of some kind...

@Darn40 Signed contract dec 05...started drawdown jan 06....fixed for 3 years to move to prevailing variable rate. Also topped up in 07. No letter and at the moment not in scope. Would be interested to know why @WILLOW is included?

Heres the exact reply.... I refer to your email of 18 January. The Competition and Consumer Protection Commission (CCPC) provide information on variable rate mortgages on their website, here. Additionally, I would refer you to the terms and conditions of your mortgage contract which should...

I emailed back a frustrated reply basically saying did they think i would have sought clarification from them if the answer was clear in my contract which i have read and reread numerous times! They were as helpfull as kbc themselves

Just got my reply.. refer to your mortgage contract for timeframes etc!

snap....i did also yesterday!

I also got a top up in 2007

kind of same boat.... Signed contract dec 05...drewdown jan 2006...fixed 3 years!

Does anyone know the rates available in IIB in jan 2006?

Will post tonight with exact wording...house upside down since xmas so will have to root it all out

Opinions please 1. Drew down in dec 2005 and fixed for 3 years, contract states i will roll onto lender's prevailing variable rate, no other special conditions etc. Is there a chance im in scope? 2. Even though i have all my original mortgage documentation i requested it all again from Kbc. In...

I was told this also just via email

Yes i got it via email

This is my situation and they have yold me im not included in the investigation

Good evening...could someone tell me what all the cohorts are in relation to kbc, if its not too big of a task. I genuinely havent a clue!

@Lightening @Mauritius "Further to your enquiry of 19th November, please note that your account has not been determined to be in scope at this time but that we have not yet concluded Phase 2 of the Tracker Mortgage Review. We will contact you further in the New Year in this regard and...

@Lightening @Mauritius I didnt realise the seriousness...i will copy exact wording and post to see what ye think

I recieved an email yesterday stating that phase 2 has not yet been completed and that i will hear from them in the new year!

@Lightening we are not in review unfortunately so maybe best to leave it!

@Lightening its 150 for padraic to review documents.....as they really cant afford this is there really any point when the word tracker or ecb % is not mentioned? Appreciate your view Many thanks