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My situation is the same drew down mortgage in Oct 2008 fixed for 3 years and option to go onto tracker rate thereafter..I got the rejection letter back from BDO 3 months ago and subsequently rejected that myself! So I have to take action now with regards going to ombudsman before the 6 months...

How did you initiate the process with Ombudsman? By email/phone? Was there much involved? Thanks

Thanks Brendan

I'll reject and send back and hold off then to see how other's get on with their appeals Thanks

Same here. Got my Appeals Panel decision letter back a week ago and in a nutshell they feel AIB have compensated me adequately and no further compensation should be awarded. The basis of their decision to reject my appeal was that had AIB offered me the tracker mortgage rate at the end of my...

But the point is as we were all existing customers not new customers, we should have been offered the most recent prevailing tracker rate around that time which Brendan thinks was between 1.25 - 1.5%

I would use plain English, just outline the facts and how it affected you financially etc. This all happened at a time when people were hit by the recession and WOULD have taken up the tracker option as it was much lower than the variable at the time. Its just not right that a certain group of...

Yes true and the bank want us to do nothing. That's the reason the appeals form is set out in such a way so as to deter people from going any further with it. But the longer its left the harder it is to face into...hope to make a start on mine this week.

Hi Stacey, did you get to submit your appeals form yet? I have been putting it on the long finger for a few months now due to the complexity of the questions and the supporting docs requested to be submitted. I want to make a start so just looking to the forum to see if anyone has had any...