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  1. J

    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Thanks why indeed I spotted an article yesterday in the Cork Independent "Fahy law launches mortgage initiative" . Once off fee involved of 395euro. fahylaw.ie to apply or for further details. Might be interesting for some of us.
  2. J

    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Hi everyone What's Michael McGraths email address please? Thanks
  3. J

    EBS Not part of the Examination

    I came off the fixed rate in 2010. That page was sent out by EBS to ombudsman for mediation. I then received it from the ombudsman. It then went from Variable Base in 2010 to Standard Variable Rate.
  4. J

    EBS Not part of the Examination

    Thanks kb_whatsgoinon for your interest. When I asked EBS for my calls and correspondence they sent me out the page attached for when my mortgage started in 2007. Even though my mortgage was fixed, the variable Base Rate was following the ECB with decreases. When my fixed rate term was up they...
  5. J

    EBS Not part of the Examination

    Also noticed that when my mortgage was on a fixed rate, it followed ECB rate as attached. When my fixed term was up it went to Standard Variable Rate.
  6. J

    EBS Not part of the Examination

    Kb_whatsgoinon I rang EBS helpline this morning and was told they didn't record customer calls. So no luck on this point. I also noticed that when I received my documents from the ombudsman AIB actually sent in their definitions for various rates not EBS.
  7. J

    EBS What does an EBS "Variable Base Rate" mortgage mean?

    I am meeting Colm Burke next week will definitely show him the evidence we have so far. Thank you tonymac
  8. J

    EBS What does an EBS "Variable Base Rate" mortgage mean?

    tonymac I rang PK a few weeks ago looking for advice. The receptioirec cut me off when I said I had an open case with the ombudsman. She said that's what they are now encouraging people to do. I didn't get to speak to PK. So good luck and I hope you get further than me.
  9. J

    8,700 tracker cases still being disputed

    Good article hopefully EBS What is Variable Base Rate will be also highlighted and explained soon.
  10. J

    EBS Not part of the Examination

    In 2015 I asked for them and EBS said they didn't have the facility at the time. Should I request them again, I remember paying a fee for it. They did send out documents but no call logs.
  11. J

    EBS What does an EBS "Variable Base Rate" mortgage mean?

    B26354 Great articles, frightening though. No matter how many times I complained to the EBS staff about my issue, they NEVER suggested I put in an official complaint. Luckily I heard of a completely different case on the radio about the ombudsman. Then I asked to go to the ombudsman and was...
  12. J

    EBS Not part of the Examination

    Hi kb_whatsgoinon I asked for transcripts of all my conversations and was told that they didn't record calls in Shandon Street, Douglas or Patrick St in Cork. I know I from the time I got my mortgage in 2007 I contacted EBS by phone quiet a lot of times.
  13. J

    EBS What does an EBS "Variable Base Rate" mortgage mean?

    So just to be clear Variable Base Rate is actually a Tracker Rate. Can you explain how you came to this conclusion? Thanks for all your help
  14. J

    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Kb what's goin on I have to agree with you. It reminds me of when the church were followed no matter what they said from the pulpit. We the people believed what they said. Then came scandle after scandle and we opened our minds and said they are not to be trusted. It's exactly the same the...
  15. J

    EBS Not part of the Examination

    Yes in 2016 I went to Mediation with the EBS. Mediation for me was: The EBS sent copies of all the contracts I signed, and then they emphasized that I signed from fixed to Standard Tracker Rate. Even though Variable Base Rate is on my loan offer. AIB today are looking into complaints and its...
  16. J

    EBS What does an EBS "Variable Base Rate" mortgage mean?

    charlie Weston SAYS Dara Deering has accused her rival banks of 'using standard variate rate mortgages as a lever of profitability Put the above line into Google, good read.
  17. J

    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Thank you for your updates.
  18. J

    EBS What does an EBS "Variable Base Rate" mortgage mean?

    It gave me this hand written page as my advice. Looking at it now it's as clear as mud.
  19. J

    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Thank you for your response. So there is proof that it is Not a Standard Variable Rate.. Where can I find the evidence? Thanks for clearing this up.
  20. J

    EBS What does an EBS "Variable Base Rate" mortgage mean?

    Hi kbwhats goingon Please check that the hb document is definitely the document from 2004-2008 On Jargon buster pg 47 it states Variable Base Rate is Standard Variable Rate
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