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If they have announced this fine against AIB and EBS I’d say the rest as in this cohort are not going to be extra cases or they would have held off on fine. Seems to be hit of finality about the story.

Any update on variable tracker base cohort. My case is still with ombudsman I keep trying them but I keep getting the 18 month time frame response

Interesting. It’s just one thing after another. The ombudsman will have to address the variable base rate terminology soon. I wonder how many haven/Esb customers had this wording in offer contract. The bigger the number the harder the decision for the ombudsman to make if significant redress

Decisions out from ombudsman today. Looked quickly at a few who say they were denied tracker after fixed. None referred to variable base rate wording however as far as I can see

New list of judgements out today but nothing addressing variable base rate as far as I can see.

https://www.irishexaminer.com/breakingnews/business/aib-should-add-6000-customers-to-tracker-mortgage-bill-909790.html

Danske has identified 61 of the cases related to instances where borrowers were put on the wrong “margin” over the ECB rate as a result of “the bank’s error”, the spokeswoman said. It has acknowledged that a further 54 customers “who may have had a reasonable expectation of a tracker rate on...

Anyone heard any more? I rang fspo today and they said my case was still with investigations should I be getting back onto the central bank or who?

No haven't heard a thing .I rang the Financial service ombudsman as my complaint is on hold so it still seems to be an issue. The central bank review was supposed to be complete by the end of year not looking likely now and nothing can proceed until they are finished the review

Thanks I've emailed central bank any documentation I have there now maybe useful or something they haven't got already.

I see a lot of people here from ebs have not received final response letters. I'm a variable base cohort from haven and received a final response letter saying not impacted. I submitted a detailed list of proofs evidence etc to the fso and will just have to wait and see. The FSO wrote back...

I received a final letter from haven stating I was deemed not impacted. I submitted complaint to financial ombudsmen who wrote to AIB. They stated that i was deemed not impacted 'to date'. If the account is subsequently found to be impacted we will inform the complainants in writing. It states...

Yes that's exactly what it says after 3 years variable base (currently 5.34%) However I think after 3 years unjust went on to LTV svr. I trusted that because i hadn't heard from the banks or gotten a letter I wasn't affected but the more I heard padraig kissane etc on radio I said I better go...

I have not been able to find a rate svr rate that haven had at time end april / beginning may 2008. It may have been different to Ebs 5.33%

I apologise the variable base I was to go on was 5.34% which at time correlates with tracker as I mentioned was listed on oireachtas answer If won't let me put the link here as I'm only a new user. I tried uploading a screenshot but it won't work either on phone but the question asked is as...

It doesn't define what a variable rate was but says the variable base after expiry of fixed rate will be variavke basis on loan offer letter but this just stated variable base 5.43% however the broker letter when I signed up for mortgage on my advice letter advised me to go on fixed rate for...

I'm with haven mortgages which was subsidiary of ebs in 2008. We took out mortgage in 2008 april/May started on fixed rate for 3 years which we were to go on the variable base rate then prevailing after this period. The variable base on the loan offer letter was 5.43% which at the time was the...