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Hi Bill, My advise is to go with Padraic Kissane, same like us.

@B26354, @Bikini Widow, @EbsLoannotrafor, @tonymac, @haveaniceday, We have lots of evidence but because of the FG they are backing up AIB/EBS to support their political interest it will be a long and hard battle. That’s why I think we need to get Charlie W to read our variable base thread and to...

He was referring the final response letter I have received from them in Sumer 2017 were is mention at the moment not impacted and to contact FSO, but at the moment he advised me to wait until June. In the mean time if there is any other evidence that will deem my account to be impacted,they will...

I speak with AIB (EBS number) tracker redress help line and they told me that the time frame was extended from March to end of June.

Customer relation was still with EBS but EBS was influenced or forced by the vulture funds on how high to place and keep the Variable Base/Tracker rates up to transforming them in SVR. Make sense, if the vulture funds have the majority of the pool mortgages then the CEO was dancing on the...

They shoul call for a normal office person or branch manager who use to sell Mortgages between 2004 to 2008, thats the way to find the truth along with all the prof we currently have. Every EBS branch & subsidieries managers should be questioned. CEO’s ? They will never tell you the truth...

Central Bank know about Project NOVA and they did nothing, they just issue couple of recomandations as 29 High Risk, 9 Low Risk and 4 recomandations AOB. I’ve send an email to Mr Kissane and I request to review the details from Project NOVA. Central Bank also know that EBS was the Market leader...

This is why I believed 3000 customers is low figure. “ At the same time, EBS was the largest provider of retail first-time buyer mortgages in Ireland, with a 44% market share, and the market leader in supplying mortgages for affordable housing in the country “ How? Simple, with Variable...

My mistake, apologies. It was proposed to aquired KBC - not finalised.

I have the original EBS Home Loan Repayment Type flyer & forms which was advertise across all EBS branches and subsidaries & brokers, same as KBC. The forms were prezented to customers in A3 format. Fix Rate Tracker Rate Easy Step (defered payment) Flexi option - interest only. SVR did not exist...

Brokers evidence is more than welcome (to speed up the process). Currently, we have bullet proof evidence that Variable Base was a Tracker. Is up to CB to decide what is the next step because this is just the begining for EBS.

Hi B, Thank you for update. I wonder how the EBS and most important CB will respond. Regards, Razvan R.

Politics & Central Bank ? Is only one person (& his team) in Ireland that can Challenged all.

Hi Haveaniceday, The only time I see the mention of SVR was only in the Tracker form & condition, advertise as per @B26354 in their reply to my complain and last week when I received the statetment they send a book from AIB with SVR policy statetment. I did not see any contracts between 2004 to...

How can a broker ask EBS to change the wording when that wording was in the system and they were all trained the same Variable Base/Tracker - Level 1 trainning completed in 2005.

The brokers informed the customers refering the repayments option comunicated with the Strategy to increase Sales from EBS central. Best options on the market, Tracker with lower margins or lower Fix rate followed by Tracker. The best option for rezidențial property. If the customer was chosing...

Checkmate.

171 plus intermediares branches.

I genuinely wonder how much of this is speculation versus fact. You are making some very bold statements that would require substantial cross industry/function experience. How much experience do you have in major (>50m) programme (either business or technology) deployments and rollout? Hi...

As per Lean wording is minimise or eliminate the margins (variance). In our case was eliminated due to possible houman error or combined houman error + untrained personal on New pilot IT system + testing stage was for almost 2 years+ lost of talent/specialist + 171 brokers/intermediaries + Poor...