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Hi VBiz74, No still waiting to hear back if we are impacted by the tracker scandal. It's EBS so it could be a long while yet.

Hi, My Sars request also failed to furnish a lot of documents. They don't even have my original loan offer. My experience of EBS is that its a totally dysfunctional institution. AiB bought it for €1 in 2011. That was a very expensive deal for AIB. After two years of the CBI tracker...

Hi @RAzvan R Have you been deemed impacted by EBS. I have a very similar case to you yet still receiving holding letters from EBS. My case is currently with Padraic Kissane. Has anyone else been deemed impacted yet? Thanks DS

Which bank are you with?

PK is meeting the CBI today re the EBS Variable Base Rate cohort

It was probably 4.25% if the rate changed after the 3rd of august but i'm not 100% sure. This info has been sent to the CBI this week and PK a few weeks ago.

Hi haveaniceday I 100% started on a tracker because my payments were much lower than any other time over the subsequent years. I know I was fraudulently transferred to a SVR because at a no time after 2008 did my mortgage fall below the payments in 2006 yet the ECB was at historical lows.

Tracker application is dated 19/06/06 and the loan offer is dated 03/08/06 hence the 2.75%+the 1.25% margin would give the 4% base rate.

Hi See attached tracker application which does not refer to a base rate. The margin is 1.25% above ecb repo rate. A base rate is shown in a part of my original loan offer which also has discrepancies. This rate is 4%. Loan offer signed August 2006.

Yes. Further info posted earlier in this thread.

Anyone here had their case reviewed by Padraic Kissane? Has he signalled the variable base cohort may be next for redress?

Received an update last week from Ebs saying the review could take a number of months. I complained to Ebs and the Central Bank about this as I identified a potential overcharge issue on my account a number of weeks ago. (Started on tracker, never fixed, have variable base rate in loan offer...

Hi BB, I'm not sure I follow. This was copied directly from their April report. The 50K is a minimum payment but averaged 133k where impacted customers lost the home through voluntary sale for loss or otherwise. If a bank assess you as not having lost your home as a result of tracker...

Jameson999 This update explains a lot and their website has more on appeals etc Where loss of ownership has occurred as a result of tracker failings, lenders have included within the terms of their schemes minimum payments to customers who lost properties of €25,000 for BTL properties and...

Possibly because we were both single public servants with no dependants at the time. They said we could afford it as per the reasonable living expenses guidelines until the second arrear happened We had warned them 4 months before we went into arrears that it was very likely to happen and...

Which category did you fall into? Brendan Unfortunately we fell into the category ''stop spending as much on food and pay your mortgage''

Brendan, The mortgage became unsustainable after years of cutting back. We needed to lower monthly repayments by €350 p/m to keep it long term. The account only had 2 months arrears but EBS would not allow interest only, extend term of the loan or plainly just negotiate. I have letters back...

Pokemon thanks for the tip. Worth the investment hopefully

Hi Seagull Yes I would of been able to afford the mortgage had I not been overcharged. The problem is the residual debt of 170K and the likelihood that they will only offer to quash the debt in exchange for the compensation due to me, which would be totally unacceptable to me. The irony here...

Motherhen, I feel sorry you with some of the responses you're getting. ''Can you take a lodger'' no she cant she has young kids. My advice would be to lodge what you can afford each month to the mortgage account, go to the imho association and get them to negotiate a deal. It will take a long...