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I see where you are coming from Wardy7, but I don't think PTSB will allow that. Their admitted fault is that they didn't inform people they lost their right to a tracker when switching to variable, that's why they are calculating it from end of the initial fixed rate term. It was our decision to...

Check your original mortgage loan agreement letter, if it says on expiry of the fixed rate period youl then be on the current PTSB tracker Mortgage rate, then your should be on the list.

Mines down to 2.3% from 4.5%.

Yes i submitted my complaint after 5th Feb. I think they are keeping people posted who submitted complaints after 5th Feb 2015, and not to those who have had an ongoing case for years. Weird.

Thanks Brendan. btw i heard your discussion on "the last word" the other week, and fully agree with everything you had to say. I dont think the other guy understood your point though, id say it was frustrating for you.

I got the same letter. They told me they hope to have a response by 19th May.

They told me 6th May also, but that was over the phone back in February.

You can email them asking them to review your case and they will reply to you by letter.

No shortage of money anyway..... http://www.irishtimes.com/business/financial-services/permanent-tsb-pays-staff-1m-commission-for-hitting-targets-1.2157889

No, I didn't lodge anything with the FSO. I just sent a complaint letter to PTSB about a month ago, they had already replied saying they are looking into it and will respond within 3months, but now I get another letter saying they are still investigating.

I got a letter from PTSB to say they are still investigating my case and my continued patience is appreciated.

I got a letter from them last week, it was in response to the complaint letter i submitted a few weeks ago. They just said they are looking into everyones mortgage account who broke from a fixed term early and were entitled to a tracker at the end of the fixed term. And that the people effected...

Thanks Brendan, Could you advise us please on how detailed our complaint letter should be, and what are our grievance actually is? Should it just be a short letter explaining that we were not advised that coming out of the fixed term early would result in the loss of our tracker? Appreciate your...

Appreciate the advise Brendan. Im looking at it two different ways. A) If my complaint is that they never informed me that i was forfeiting my rights to a tracker then it relates to January 2009 (over 6years). B) If my complaint is that they never offered me a tracker, then it relates to May...

Im in this situation, I left my fixed rate in January 2009. But i wasn't due to start my tracker rate until May 2009. Does the 6year period start from January or May?