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I received redress and compensation from EBS based upon a tracker application that stated entitlement to a tracker rate, ''for the life of the loan''. The loan offer document that accompanied the tracker application had ''Variable Base Rate'' as the rate type. For your information.

Yes. PK had no luck with our appeal.

Correction. 216K Redress and compensation. Page 19. Luke

Hi Fakenews and DPD I had a tracker rate with EBS but on my Principle Private residence . Now a lost home but we share the same story of EBS. 1. Discounted tracker transferred to undiscounted rate after a year, wrongfully transferred to a standard variable rate in 2008 when both the SVR and...

So there are two limitations to avcs. The revenue limit of 200k before being taxed and the 1.5 times the final salary cap? I know many in the public sector who have been advised (cornmarket) to still buy avcs despite having the capacity to draw a full 30 year fast accrual pension. (Defence...

Hi, Could you give a worked example of a ''last minute AVC'' and the benefit of the contribution?

I second that. Many people here think losing your home was your own fault and you're not entitled to substantial redress. Unfortunately the EBS tracker redress and appeals system did not find in my favour for a lost home. But hey, that's what courts are for. Congrats on the compensation deanpark.

Congrats on your appeal. Well deserved I have started the appeals process with EBS. Did you get an oral hearing and if so how did that go? Our appeal centres on whether the bank overcharge was causal in the home being sold. The bank state, in response to our appeal, they believe our reduced...

Everyone should read about NERP. It's available on the IMF website.

Have you gone to appeal for this or was the tracker already offered?

Hi My loan offer states my loan type was a Variable Base Rate. 2006. I was not given a choice to tick a variable or fixed rate at the time. What I did sign was a tracker application which the bank failed to administer resulting in us starting on a VBR and magically converting to an...

I sold a mortgaged property a number of years ago as I could not afford the repayments. A small number of arrears accrued on the account prior to the sale. I was left with a large residual debt which I also could not pay. Arrears grew rapidly on the remaining debt. During the time I was in the...

Does anyone believe Ireland can ever pay its sovereign debt back?

I believe it's an inevitability that a synchronised default is on the horizon, although I cant see western central bankers allowing a currency crises to unfold. The synchronisation of a managed default could only be brought about at a time of war or crises such as Covid 19. Who loses in all...

Hi, Sorry to hear you lost the property. Have you put your case to the FSPO yet?

Anything ever come of this?

It's really does bring into question the independence and expertise of all panels.

Water2buy.ie Certainly for under the sink filter to remove flouride.

An alternative view. Maybe he is right, we all need to move on. The Central Bank should put a time limit on banks to mop up this mess. Any Bank that fails to comply should have debilitating penalties imposed.

The bank stated after examination that we were on a SVR from drawdown but we were not. They switched us to a SVR in 2008. Our payment records prove this. My point is we did nothing and ended up being transferred onto an SVR with no prior agreement or documentation to instruct the bank to do so.