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Count me in also

Hi money,we were the same,pretty clueless and struggled for a few years,only for Brendan and all the people on AAM we would have givin up hope,it’s great to finally get it over the line and look forward to reduced payments and a few bob,enjoy your windfall it’s been a long time coming

Ok thanks Brendan will wait for the letter to arrive and see what the next steps to take.

Our mortgage reduced by just over €45k,great news at last,fair play to Brendan and all who have kept this fight going for all of our benefit. Quick question,we slipped into arrears of circa €9k around the 2012/2013 time frame which probably would not have happened if we were able to avail of the...

Hi Emlyn C Yes we drew down on the 31st of September 2008 happy with the contact and the options we would be givin at the end of our 2 year fixed rate ending only for AIB taking trackers off the market with a press release on the10th of October,with them ignoring the clause 3.2 in our contract...

My opinion is that AIB knew this was coming down the tracks,as Brendan has always maintained this was black and white,a clear breach of contract on AIB’s part,we drew down on our mortgage a week before they pulled trackers off the market for new customers and never got any contact from the bank...

Hopefully hear something soon,the longer this drags out is only adding to the potential payouts

Hi,we are also part of the 4000,got our data request a while back and it was a pile of nonsense ,large sections of our phone conversations were blacked out,anyone else have this issue ?what is it they don’t want us to see ? Have requested an explanation but have heard nothing Redman

Question about the appeals panel. Do we know who the members are ? Does anyone know of them or heard of them. Everyone on here,pretty much everyone in the dail and every sane thinking person thinks the setting of a prevailing rate 5 years later is utter nonsense except the the top brass at aib...

Cheap trackers were not available at the time,otherwise we would have chosen the cheaper rate,we were offered a set of rates to choose from when they were selling us a mortgage that were reflected in clause 3.2,Now what AIB chose to do after we had agreed a contract should have no bearing on us...

Hi Brendan Which parts are confusing you ? I will try clarify Regards Redman

Hi Brendan We drew down 30th sept 08 Fixed for 2 years Ended sept 10

Got a letter a bit different to the usual 28 day generic letter yesterday saying that the investigation into our account is still progressing and be another few months before the can issue a final response letter. Then today we get the 1600 letter. We drew down in sept 2008 when there was a...

Hi Bob,there is a group of people that have got together to pool the €1600 they get to fight the bank regarding the prevailing rate issue,as far as I know there was a cut off point to join a couple of months back, If your wife has clause 3.2 she should receive a letter from the bank identifying...

Hi idesofmarch,we drew down 30 sept 08 fixed for 2 years,we had been offered 2 fixed options a variable and a tracker to choose from the tracker rate was 5.75%(4.25 ecb+1.5% margin at the time of drawdown. 10 days later aib stopped offering trackers for new customers not a word of this happening...

That’s 4/5 of us on this thread with this issue,can anyone advise of why this can happen and what do we now, I emailed the bank to ask why parts it the t&c’s were missing and got sent a different set of t&c’s that has no mention of a tracker at all so no point looking for anything from them

Anyone know if the individual banks are due to update of who have been included after this from the CB Redman

Same thing happened to us milkof,pages of t&c’s with reference to tracker missing

Thanks skippy/idesofmarch, Looking at our paperwork,and the document they presented us with pre drawdown with the options of interest rates for us to choose from has the tracker rate as 5.75%, Now 3.25%(ecb) plus aib margin of say the top end of 1.5% = 4.75%.Can anyone shed any light on this...

Hi rangemaster,it will be interesting to see what you receive versus what you have in your possession. Redman