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I would like to make a few comments as it is I who dr wizard refers to There is now and was then a startling lack of understanding of the mortgage market that existed at the time The wrong decisions emanating about some matters reflect that also For example how a discounted tracker mortgage...

Nic Oir it doesn’t really matter as likely all will have same result Pádraic

Hi All I wanted to give you all an update on this as we have now had two decisions that have upheld the Bank's position on its Flyer. Despite what was stated in the Flyer "Fantastic News....... All IIB Homeloan fixed rates will now roll onto Tracker rate upon expiry" the office of the FSPO has...

Brendan respectfully I don’t think plaudits should be handed out for the insistence and adherence to Consumer protection codes which became central in the investigation If banks had adhered to those principles initially it would never have happened

Interesting discussion but my input would be, based on as I have seen over all banks and thousands of docs, the main issues were 1) original intentions regards tracker were changed when banks hit skid row 2) all documents were reviewed by lenders but from the perspective of the holding bank...

Yes Justice Bolger gave her permission for ulster to take it further they don’t have to but likely will Pádraic

Yes and legal firms will anyways tell you what Bring it to court they lose otherwise Doing the right thing should be a consideration as regards ombudsman mentioned don’t get me started

I am continually intrigued when a bank states what the decision will cost them unaware that in fact it’s money they have taken from their customers (compensation time value aside) but it appears okay to delay the return of the customers money, taken wrongly now supported by not only the Fspo bit...

I am so pleased with this outcome and yes Brendan it does affect many customers of Danske (formerly National Irish Bank) I have already written to the CBI re same and the application of the outcome to the others affected. This was an important one to have upheld. There now will need to be a...

That may be so but loan conditions state you must inform the lender if creating a lease What has caused the issue is that some lenders did use this change of purpose as a reason to take or alter the tracker rate PTSB do not

You will not lose your tracker rate if changing your home to a buy to let hope this helps happy new year all Padraic

Hi all I wanted to put forward my absolute disgust at the comments of the KBC chief today regarding the Central Bank and what it should do in regards the Tracker Issues, which are appalling. People are living with the consequences of what this lender (and the others) has done and many are only...

Brendan I want to add my congrats to the birthday and say well done on the site and its purposes which spread across many different areas (some of which are and have been unusual, 'Reborn Dolls' comes to mind!). The site was particularly helpful to me in my fight on the tracker issues across...

Brendan You are wrong again in regards to my position regarding AIB "1615" cases as I refer to them As regards to other comments about the Board take a look at my record and maybe give a little bit of credit as many appear/remain ignorant of my efforts on behalf of all Padraic

I want to pass on my congratulations to Charlie delighted for him and richly deserved He has certainly help to highlight many issues over the years and challenges the status quo all the time. He has certainly been an enormous help to the tracker investigation and wrote about it when no one knew...

Hi All One aspect of this that is not yet addressed is that all split arrangements have a review date when the entire arrangement is up for review. I dont expect this to be easy for investors if the value of the property represents an immediate return of profit to the Vulture Fund. A short term...

Hi all I am pleased to confirm that homeowners who held a tracker rate with EBS and subsequently fixed their interest rate are being restored to their tracker rate of interest. This has been a long fought challenge for me and I am pleased it has resulted in being a cohort that is deemed impacted...

No not yet it will take a number of weeks due to systems within Ulster As soon as I know what cohorts are affected I will post again

Hi all I can confirm that there are some first active customers are in the announced numbers What ones I don’t know as yet but will number around 50% if the number disclosed I will know more later it has been a battle for sure but getting there Padraic

I know Brendan all these years later who would remember or would they make it up but my info is from ebs records that I have reviewers and checked not just as heresay found it with data access requests still compiling the jigsaw but most certainly not open and shut as being portrayed