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And "all new customers" for new product is bolded too, to emphasize this!!

If you look at wording "roll over" is bolded to emphasize!!

Did you have tracker in original letter of offer?

Has anyone heard any news good, bad or indifferent on KBC, flyer and fixed issue? Or are there still complaints on ombudsman's desk to be looked at?

Hot a letter just offering fixed and variable. No tracker rates. That was in august/Sept 2007.

But will they ever explain their prevailing rate issue or explain the flyer statement that "ALL, (capitals used on flyer, that seems to me to be emphasing all customers regardless of whether they are new or existing) can now avail of tracker" as opposed to the new tracker they advertised on same.

My broker since retired too. But I think you're right commission was at play. But the bank were telling him to keep me as business so they wouldn't lose me and in doing so he mentioned the flyer and it'd be worth my while staying with them. This was may 2007 if I'm not mistaken, right smack bang...

I was switching mortgage but stayed when broker contacted me and mentioned flyer to me. This was after I asked for settlement figures, through my solicitor, from IIB who on on the same day they sent me figures sent a letter/fax to the broker, (which I have copy of), stating that he should...

Wonder..... Maybe you'll be the pathfinder with this whole debacle and get some closure and answers that the rest of us are looking for, good or bad. Here's hoping your in luck.

I have asked for them to clarify their policies at that time but not forthcoming. They only just clarified that prevailing variable rate was variable.

I got them saying "yes they can confirm prevailing rate is variable", also, but no definition or explanation or anything more concrete than them saying yes it was.

Didn't know that. But it'll be interesting to see what happens with the flyer and prevailing rate issue, if anything.

Well, one would hope that he might look at the flyer again and look at the "prevailing rate" definition and properly. It's all about words and how they are/were interpreted and what the bank meant. They never exactly explained everything that they meant and it seemed now to have been written...

"Do you have a case? I don’t know. I am aware I previously noted that, in 2006, KBC, or IIB Homeloans as it was called back then, did advertise a promise that its “standard practice” was to transfer everyone on a fixed rate to a tracker mortgage at the end of the fixed term as a default. And a...

I'd like to more also. How were you impacted if you dealt direct or moreover how was your loan offer worded.?

Has anyone, on any side, anywhere come across anything concrete, written or recorded that says that SVR is or isn't the PVR. No one, including IIB/KBC, seems to be able to definitively prove one way or the other what's what, and it all goes in circles. Surely there's a definition...

95% was broker led

They told me no dice. Existing customers were not included as flyer only issued to brokers. But I agree with your wording....... ALL customers.!! There is a new product for new customers.

What year is your booklet from?

You must've been covered under flyer Babog007.