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I got a tracker back on a top up loan. I appealed to the appeals panel for my main mortgage to be put on tracker using the prevailing variable rate argument. I have been unsuccessful. I now have nothing to loose and bring it to the ombudsmen...

Through a broker on both.

Main mortgage Aug. 05 @ 3.45% fixed for 2yr to revert to prevailing variable rate. Top up Oct. 06 variable. As per contract there is no mention of tracker,ecb or any % over the ecb. Despite this , this loan is deemed impacted and now on a tracker of 1.1%. Happy days. Does the above mean that...

@peemac. Looking for your advice. As per original documentation. Main mortgage Oct. 05 fixed for 2yrs. Top up Oct. 06 variable. In Oct. 07 fixed for 3 yrs on both. Received redress,compensation back dated from Oct. 08 on top up and its now back on tracker of 1.1%. The reason they gave me is that...

An extract from December 20th statement. "The bank is now confirming as a result of a further review a group of 2,557 mortgage accounts are now identified as impacted for a variety of reasons. These accounts will be moved to a tracker and receive redress and compensation. I then received the...

I know , is'nt it great customer service!!!!! From the Bank of you.....................

Thanks for the reply, i'll hold tough for a written explanation and I'll proceed with some sort of complaint. The witten explanation should make good reading!!!!!!!!

They kept me on hold for 20min , then said my account hasnt been fully reviewed yet but they just knew by looking at it that its not impacted!

Drew down Nov. 05, fixed for 2 yrs to revert to lenders prevailing rate. Topped up Oct 06. Never had a tracker, and to be honest was surprised when I received the letter on Jan. the 5th. But dont know why they would send me the "impacted" letter in the first place. Were they sending everyone...

Am I officially the first person to go from "in the scope and deemed impacted" reference the letter I received 5th of January to now deemed not impacted???? I rang today for an update and got that news!!!!!!!!!

Thanks for the reply. I will ring back and look for clarification on my account, but I wonder are they just spouting out the words as per the letter I got as it does say "that if I dont hear anything by the end of March that there will be a further correspondence" or something like that anyway.

I got the impacted letter dated 5th of January. Rang today for an update, was told my account has'nt been fully reviewed yet and that it will be done by end of March. Any one else in the same boat?? The not knowing is driving me crazy

Ice Berg. Did you get your "impacted" letter in January?

Well said 'ask2017' If your feel you have a case, take on d banks No point in trying to find out if you have a case on a forum, where we all think we know what were talking about!!! Leave that to the experts. Best of luck to everyone who's fighting their case, lets hope we all get good news.

October 06, so im none the wiser how im deemed in the scope and impacted!!!

The only thing I can think of why I may be impacted is that I did get a top up on my mortgage in 06. Perhaps this is why im in the scope?????

Hello all im brand new to this. I received the letter last week "im in the scope and impacted......" Never taught I would be!!! Here's my story. Drew down mortgage with IIB in 05 and fixed for 2 years. Then received letters advising me to fix again, so I did. Never offered or had a tracker...