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Hi Peemac thanks for the advice - its true you can start seeing what you want to see sometimes in these situations and but however about the media, adverts etc side of things - I wonder most though about the actual VBR contracts from ebs and how poor they were ( i would love to see one that they...

HEY b26354 On that image you posted and the wording - I wonder did people the with had ebs loan agrrements with actual the term tracker in their loan get the same updates in 2007 /2008/ with the wording of the letter you posted

Hey Jennybaby There is something weird about your details - in 2009 your variable rate should have been going up - from the detailed you have posted it seems to be just loads of drecreses? also when on a fixed rate - the rate stays the same - so i don't follow your logic?

I would go back again and ask again as part of an offical foi request - They might have been a bit spare with the truth of any recodings in 2015 - but now I am not sure.....especially as there is so much talk of making people in these institutions personally liable for what they do and say

Hi Jennybaby - I never looked for transcripts but i know a lot of people on here did - from what i have read calls seemed to have been recorded at that time - i would be surprised that it was done in some branches and not in others ?

Red onion I have more than 2 :)

Hi Paulie - trackers were available in ebs 2008 in october. Why won't they give you the call transcripts? you should go after those transcrpits - and apply what ever pressure it takes to get them. you can make yourselve a part of the investigation - call up the ebs tracker complaints number and...

Jennybaby - I saw that a while agao - its a pity Charlie weston won't pick up the story now - I am guessing there is a huge amount of people who were given 'variable base rate' i.e tracker mortgages that are been swindled by ebs ( like maybe 5 billion worth) there is such a good story here- a...

Hi Jennybaby what does this mean going backwards to Mediation did you do mediation with them also the ombudsman seems very responsive to you?

jennybaby check out page 4 and 6 of the guide steps 1 and 7 Did they give you 'good advice' looks like they gave you a lot of figures anyway :) Did they 'help' you fill out your form? As i understand it ebs will NOT give advice now in 2019 ( i could be wrong about this ) but they certainly...

Hi Jennybaby - re page 47 its says 1) ' base rate' not 'varaiable base rate' 2) it does not say 'standard variable rate' 3) it contradicts what is in noted on the previous pages under what the EBS describe as the interest rate options available to a lender i.e in their list of Interest rate...

Jennybaby in your earlier post you mention the ombudsman and the option to go legal - did the ombudsman tell you you could go legal - i am guessing you like most of us would find it hard to 'go legal' as they have so kindly put it - especially facing the unlimited resources that ebs have...

hey sorry that does not make sense to me as he has all the years as FIXED it does show that the tracker was the cheaper of the two options tho - ??

well spotted PGUYO wow ! What more is there needed to prove that EBS's this variable product was the tracker mortgage - There is no mention or description anywhere of SVR. I think there a so many more EBS customers that have no idea they are being duped and if they did this would get much more...

please see attached the home buyers guide which i found from back around the period of 2006 from EBS Check out the explanation for a variable rate on page 35 Variable Rate This means that the interest rate charged on the mortgage can go up and down over the life of the mortgage. If interest...

ebs will tell you its a svr - but thats ok - ask them for the rest of the loan documentation - when I went through mine a LOT was missing - and for where it states what an Varaibe base rate is Maybe go back to the ombusman as you are already with him - ask him about the Varaible base rate - and...

Hi JennyBaby re - But in my loan offer it states Variable Base (currently 04.75). yes I would take that to be the total of what your tracker rate was plus the ecb rate -as you can see the ebs contracts are extremely poor documents open to all kind of interpretation. just because it suited EBS...

Why indeed From May 2005 when you went onto the 'Variable base rate' did your rate track all the ECB rate changes until mid 2008? Does your loan documentation have a defination of a 'variable base rate' is? when they sent you notification of a rate change - what did they call this rate/your...

Over the past year of researching the tracker mortgage issue I am utterly utterly shocked by what the banks have done and continue to do - i can see little to praise the CBI for in all this - where were they this past 10-15 years - its truely shocking what has been allow to happen- my advice...

Jennybaby - where does it actually say the words 'standard variable rate'