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Great idea, count me in, thanks

Great news!

If you paid using PayPal, they will cover the cost of returns even to the UK ( think there is a limit to number of times they will cover the returns per year but I have used it before and it was straightforward enough to claim back).

It sure is a long process but I am feeling the same JM!

Hi JM, no further update from me, still waiting on first response from FSPO but hopefully others may have news?. JM, When u say it’s your third response to FSPO, has it been to UB each time and they have responded and then you have to respond each time?

Hi Al That is great news to get! Agree it’s strange that it’s unrelated to tracker issue. Are they amending your rate now?

Many thanks, that really helps. Yes, I requested all mtg info and was advised that it would be with me in 20 working days, needless to say it hasn’t arrived so I will call again tomorrow..

Hi folks, how long does the first response from the FSPO usually take and do they usually look for more info/docs before contacting the bank? I sent off my appeal last week so am quite a bit behind the rest of you but I think I have included everything that they may need! Any further updates on...

I agree, it’s hard to believe that this is still dragging on as it completely fits the same criteria of my (and others) other sub account (started on tracker, fixed, should have returned to tracker). Whether the bank expected us to stay on the staff rate for the full mtg term is irrelevant as...

I also contacted Michael Mc Grath and he contacted me back for some extra information so hopefully something will come of that, I agree that the more people that contact him the better, thanks JM.

Hi JM, There was definitely no t&cs available before so if they are there now surely they would have to show when these were added? I have my confirmation letter of the staff rate move from tracker and the email that I sent to get the rate changed to the staff rate and there is no reference to...

Thanks JM and Saysomething I will send that straight away and will keep you updated.

I got the exact same letter today from UB following my call last week where I also had asked for a response as to whether I have been deemed impacted in writing. How strange. Are we able to go straight to the Ombudsman without the formal response though? It seems like an effort to delay a formal...

Thanks for the update. I have a feeling that my response may be given by phone also as they took my number for the first time ever but I will push to get it in writing also as all the letters to date said that I would they would write out when there was an update.. I have a formal complaint...

Hi JM, I had to contact UB again as still no formal confirmation received as to whether deemed impacted. They have advised that I will have an update in 5 days so I would presume that will confirm that I haven’t been deemed as in scope. Can I ask how did you go about the appeal with the FSPO? Thanks

Thanks JM that’s v helpful. I don’t have any progress to report- still waiting to get my final response (which is not looking too positive from the stories here) so will have to appeal to the Ombudsman when I get it. Any advice on how to get a final response from UB would be appreciated. I...

I haven’t had any progress since, similar situation to you as I have received redress on the smaller non-staff part of my mtg. I called again last week and was told to wait until April as the review isn’t complete yet. Not sure if I should be raising it with Ombudsman now or wait and see. If...

Joefed can I ask pls when did you receive the final response letter and was the staff portion of your mtg on a tracker initially? I would have thought it would be a straightforward case but looks like it mightn't be after all..

Chazza80 my situation is exactly the same as yours, started on tracker, fixed a portion in 2006, rest on staff rate (I didn't get any new t&cs at that time for the staff rate either). The non-staff part has been returned to tracker and I have an open compliant with UB since early 2017 as, like...

Thank you, I will certainly do that. Is there a contact Email address for the Oireachteas Finance Committee?