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Thanks brendan it's sound advice,I appreciate it

My decision now is too fix for 5 or 10 years...today is last day before the newer rates kick in

Ya we need the certainty of what repayments will be,we were part of the tracker scandal and fought for years to get it back,but I just can't see ecb rates back around 0 ever again,maybe down to between 1.5% and 2% but reading online sources it seems the cheap money days are over,I think wel sort...

1) Existing tracker margin. (This is set in your mortgage contract.) 1.3% 2) If you have an additional mortgage on the same property, what is the rate? No 3) Amount outstanding on your mortgage 90k 4) Remaining term ..15 years 5) Lender Boi 6) Value of your home 280k 7) Might you trade up...

take care pal and good luck

no johnmc the compensation and redress paid to you is yours and any appeal will not affect that money,if you feel you need to appeal then i would,it cant hurt,just add as much info in the appeal pack as you possibly can,then send it off and forget it,you can get your appeals pack by ringing the...

it cant hurt to get some info together and send in an appeal,i wasnt going to appeal but we said hey if you put all the struggle into context it was worth a shot...it worked out for us

just an update on our BOI appeal,glad to say our appeal was upheld and we received an extra 5000 euro in compensation,the appeal was upheld on the basis of the overpayment,time the account was impacted and the information we included like financial strain and loans credit card bill etc ,we also...

hi debbie how did you get on with your appeal process,we have now received a letter saying the appeals committee are contacting the bank for documentation..

Deise thx a million for that info...were basing our appeal on the fact that i too chased the bank since 2008 asking for our tracker to be reinstated as we felt it was in our contract.all we got was a brick wall NO..also we had the choice of a 3 month mortgage break built into our contract and...

Thx very much deise any help would be greatly appreciated

Deise thats at least 1 victory..may i ask what basis did you appeal on?..

hi guys we decided to appeal our decision< have any of you had any luck with appeals process?