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We had a BTL and tracker was backdated to July 08 and we got 20%.

Good morning, It appears that the "prevailing rate" cohort remain the forgotten cohort of Borrower in KBC. Can I ask though has anyone had any response from KBC regarding the Mortgage Booklet from 2005 that says that you can choose any rate (fixed, SVR, Tracker) once your fixed rate expired...

Hi @peemac you seem to be very well informed on KBC in particular as I am new to this forum I was just wondering if there was a specific thread dealing with KBC and the fact that they reverted Accounts that expired from an initial fixed rate in the offer letter to a standard variable rate and...

Hi sorry for delay in getting back to you. I appealed on the basis of having a part fixed part tracker mortgage. I approached KBC for a better rate on all my BTL mortgages in October 2007 and signed the tracker conversion form for each account. I argued that when the fixed rate a expired the...

Hi @peemac many thanks for replying. The interest only payments were initially contractual and then a variation as you say. Would it not be the case that the overcharge on the interest only repayments would be refunded as they should have been a lot less. Thanks for the indication of redress its...

Hi @peemac I see from the forum you've been very helpful to people. Can I pick your brain if you don't mind. I was just told I've won my appeal against KBC and they are going to put me on a 0.75% tracker rate on 193k since 01/07/2008. Overcharged I would think by an average of 4% per annum. This...