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Hi Peemac, Thanks very much for your advice. I think your recommendation makes a lot of sense and my husband and I have discussed it and think that’s what we’ll do. We didn’t know the expectation is that the ECB will pull back it’s rates in 2024 but it’s reassuring if that’s what the general...

The redress is not tied to the decision to go back to UB. What I meant was that we don’t know the exact figure of our redress yet because it’s calculated on the interest rate we paid each month for the past 13 years with AIB versus what we should have paid if UB hadn’t taken away our tracker, so...

Hi Brendan, Thanks for getting back to me. In answer to your queries: Yes, we were part of the AIB Prevailing Rate group a few years ago as well. AIB reduced what we owed on our mortgage and we received a little under €8k from them which we put into the credit union and saved. We were honest...

Hi Brendan, I’m looking for advice please regarding our mortgage. We originally had a tracker mortgage with Ulster Bank and switched to AIB in 2009 when they took our tracker off us. Some years later, we got into financial difficulty and ended up on a split mortgage with AIB. (We have remained...

Yes, you’re right Introuble83, I had forgotten about that clause. I suppose I should just be grateful for the reduction on the spilt part! Thanks for the advice and I understand what you mean about merging what’s left of your spilt back into the active. My other half and I have taken a different...

Apologies Brendan, I don't know how on earth I missed your reply!! Please ignore my comment above and thank you again for your advice and guidance.

Hi again Brendan. I note that you moved my comment (above) to this thread because you think my question was already addressed here. However, I have read down through the comments and, although Introuble83 also raised the same question as me, I don't see any replies or answers to this. Unless I...

Hi Brendan. I am one of the lucky cohort who received the letter this morning and I want to thank you sincerely for all the work you have done to make this happen. It will make a huge difference to our family and we are extremely grateful to you and your colleagues. I phoned AIB today and the...

We submitted our appeal on 28th Feb and received a letter from BDO last Friday stating that they had received it. Well done to Brendan for all the great work in getting this issue out into the public domain.