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We got the same standard reply from the Panel, word for word, as set out in the first post of this thread. In it they repeatedly refer to us coming to the end of a fixed rate period despite this not being the situation in our case. They clearly had not even read our appeal.

Brendan, Yes we got exactly the same response, despite not using your excellent template, as we had other specific circumstances I wanted to include, which they have made no reference to. I'm so annoyed at this lazy approach of the Independent Panel to their responsibility. We got ECB + 1.15%...

We got ECB + 1.15% applied to half of our mortgage in 2008 (<80%) In AIB's response to our appeal they confirm this was the prevailing tracker rate in September 2008.

Thank you Sarenco, that's very helpful.

Yes, following my SARs request, I noted they had left out the specific pages from the t&cs that included Clause 3. I rang the SARS line and was told they'd courier them out. They never arrived. I noted this in my appeal and this is their defence. The T&Cs may have been generic to all customers...

Apparently AIB believe they are not required to provide the mortgage terms and conditions to customers..