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KBC have said im not within the scope of Central Bank review. In other words you will have to fight us to get justice despite their apologises etc...

No word back from P.K yet

Yes the application was started by the broker in Oct 06. The letter of offer from the bank was only received and signed in Jan 07. So the application was pre the 'flyer' but the mortgage offer was only received and signed well after the flyer release. I was still considering my options between...

My case application Oct. 06. Draw down advised by broker Jan. 07. KBC arguing I did not have to accept offer in Jan. 07 and not within scope of Central bank review. However I had other mortgage offers at the time and believe the broker influenced my decision to go on 3 yr. fixed with the...

What do you mean partially upheld? I started on fixed rate for 3 years and was not given option of tracker even though during flyer dates using broker

P. K dealing with my case so hopefully he can put some manners on them

What is your latest position in your battle?

Mccoypat94 did you get any joy or what is the latest in your battle?

I got my official letter this week rejecting because i was not in the scope of Central Bank criteria ... I believe I still have a case and next step is ask P. Kissane to argue my case...

I sent my offical complaint this week. Second offer was before the flyer. No change in rates as i was going interest only on 3 year fixed

Yes but got a second one because some personal info. was wrong in first one. My application went in before the flyer and drawdown after the flyer was released. The flyer would have influenced by decision as i had another mortgage offer from another financial institution

Hi Steely, check the other thread on this regarding KBC redress. Im tipptop2. I have a very similiar case to yourself. I have been advised by KBC that they deemed me not affected based on a list of Central bank criteria regarding the redress invistigations. I have now sent in a formal complaint...

Thanks. I just got a letter stating that i have not been deemed affected by the criteria issued by the Central bank. They say i did not select tracker on the application form. There was three boxes on the form fixed, variable or tracker. I did not tick any box but my broker wrote in freehand...

Yes i agree with most of what you say. My loan offer was middle to late Nov. so well after the 7th. KBC have a document stating that I had a loan offer from another institution including proof of income cert from another financial institution. I know this from my data request. I disagree with...

Loan offer Nov. 2006. I had a mortgage offer from another financial institution and chose KBC and this may being on the strength of the broker telling me about the flyer. This is why i find it disingenuous that I was not put on a tracker as the flyer states and KBC were using as a selling...

It all depends what interest rates you were on during the mortgage and what you were on when you left. You can ring KBC and request a data request and they have to supply all the documentation for the entire period. Good place to start

Thanks all. I have already made contact with P. Kissane. I would encourge anybody else in a similiar situation to myself to do the same. Can anybody say what date exactly did KBC release this famous flyer? Tks

Tks. The application date of any loan is irrelevant. Its the loan offer date or draw down date thats important as things can change in the meantime. Is this fair comment? Appreciate all views

Through a broker. So the month Nov.2006 I got the offer letter was the same month this flyer was released? Is there something i am missing? Should i not expect to have moved to a tracker rate after the fixed rate ended if the flyer said it??

Application began in Oct 2006, outstanding legals, valuation etc required in Nov. 2006, loan offer Nov. 2006, drawdown Dec. 2006. When was this flyer released? Do you think i was entitled to move to tracker rate after 3 yr. fixed was up? Tks