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My point was the rate has to be set from the draw down of funds. How else could the bank calculate the cost of credit

Why is it showing cost of the creidt ?

Fixed period expired may 2010

Letter of Approval- Particulars of Mortgage Loan Loan Amount €250.000.00 Interest Rate 4.89 L T V 58% 2 year Fixed new Business Home Loan Period of Agreement 20 Years Number of Instalments 240 Cost of this credit 138.538.02 APR 4.9% On expiry of fixed rate period and without affecting the...

Sorry grandaugher got hold of the phone and sent the last post.

Ptsb told pease that 173 were appealing so that must be people appealing the rate & other issues.

Well done Pearse Doherty it was great to see the Heads of PTSB lost for words. I am one of the 173 Appealing the so called Tracker Rate of 3.25 + ECB .

Well said padraic. And still it carrys on when will this be over.

Bredan. When you dont have money 3.000 is as much as 30.000. And the way PTSB put rates up to 6.2 % was so wrong. I remmember the stress of this very much

What about the cork court case covered in the irish inderpendent by charlie weaton & Tim Healy. Bankrupt man may sue PTSB after winning case against this bank for loss of home & relationship ?

Hi all. Just off the phone from Permanent T.S.B. . I am still waiting on the calculations that i requested over 3 weeks ago of how they came up with this tracker rate of 3.25% + ecb. My loan to value is 58%. I was told it would be another two weeks before calculations will be available to post...

Hi Taldar & Bronte i have been in the same boat as the 80 people the Ombudman kept under it wing. I and a lot of other people that did all the same things you did and he ruled against us very had to watch 80 been looked after and we were cast aside my fight as also been 5 years

Hi all my rate also changed on my open 24 to 3.30% . Working with Padraic Kissane now PTSB will not get away with this Central Bank wake up

Hi all great news I am on the list good luck to all

Hi PTSBcase changed my mind about getting the tracker back dated to Jan/Feb 09. We lost the right to the tracker rate as we broke our fixed rate. A condition of obtaining the tracker rate was that the fixed rate must be maintained until the 2 year fixed rate expiry If PTSB restore our trackers...

ptsbcase I think you are right bank should offer tracker rate for the month we broke out of fixed rate.

my daughter got her tracker back from permanent tsb as her husband had never signed the letter she sent in feb 2009 breaking out of fixed rate. bank offered 3.25% + ECB told her take it are leave it

Hi Brendan It would be great to compile evidence as i have no doubt that PTSB set out to get people to break out of there fixed rate . How come all the phone calls can not be found ?. When i got a copy of the letter i sent to the bank they stamped it Refusal letter sent ? i never got a Refusal...

Hi Brendan when i sent PTSB a letter in feb 09 to exit my fixed rate no penalty no charge. When i got a copy of this letter back the bank had stamped it Refusal letter sent . What i got 09/03/09 was all about rate change it said nothing about refusal to what i had asked for in my letter. I have...

Hi all if i get my tracker back i know ptsb will want 3.25% plus ECB this is so high LTV is 58/42 . I hope central bank looks into the way this Bank is ripping off its customers. Ombudsman needs to look at same.