Search results

and so why were they told they could not have a tracker - that is the question that needs to be asked ?

so i have a fr No Brendan that is incorrect what you are saying - the response from the bank in the end was very simple - you asked for it - we ( the bank) made a mistake - i asked for a tracker and i understood the variable base rate i got was a tracker - I spent 10+ years on a variable rate...

I asked for a tracker - I had evidence of this - instead of being put on the tracker I had asked for I was put on a 'variable base rate' - (and yes with a lot of research and effort on my part on my part i.e. I could write a thesis on it at this point) - I was finally put on the tracker I had...

The Badger - i asked for a tracker in 2008 - did not get one - had proof i asked - bank said sorry our mistake - got the tracker i had asked for (10 year later). it would be also worth your while reading the extensive postings here on the EBS and the variable base rate that many people believe...

the badger20 - I think you have a case if you can prove you filled out the tracker application form and submmited it - and were refused one - you need to ask why - I would use this forum for research only - i would urge you to follow your instincts here not other peoples opinions on this - if...

ok so I will do it step by step - I think i Get it but maybe not! 6. Interest Refund / Amortisation say we have total interest 'overcharged' of 80K the 80K should be returned to you but also The mortgage value yet to be repaid should also be reduced significantly to take account of what is...

Hi Tomtron Thanks for posting this. I have to say I don't 100% follow what you are saying but it sounds like more fraud visted by the banks on their customers? This is something I would never know to understand or look for when accepting the repayments back for overpayment on a tracker...

So its very simple. IMO ....The base rate provided by ebs in mid 2008 and before was a tracker. Everyone knows this. its so bloody obvious its not funny. ebs was the anglo irish bank of mortgages at the time and to sort all the 'base rate people out and put them on trackers will all just be...

Hi there - my friend did - it was with BOI - the process was relatively painless and they got extra compensation They did not have an oral hearing by they way - they just got a cheque/bank transfer.

Hey Trackman - great news - congratulations- nice present for Christmas - and well done on your persistence. Just wondering - during all this did ebs send you letters saying you were deemed not impacted or did you get a letter to say you were impacted? loving the 'administrative error'...

EBS advertising as Mortgage Masters I have noticed a lot of people here have mentioned how much EBS calling themselves 'mortgage masters' has really grated based on their actual experiences dealing with EBS and their mortgages - see https://www.asai.ie/ The Advertising Standards Authority for...

Hi Spires - The times I called the 'EBS Helpline' I was told something pretty disingenuous stuff as well e.g. the reason you don't have a tracker is all your brokers fault nothing to do with EBS. They also referred to the broker I used as my 'chosen intermediary' - that made me laugh - he was...

Hi Spires - That very similar to my situation and in the very same month, jan 2008, I requested a tracker mortgage and following this request I was given an amended loan offer in FEB 2008 of a variable base rate 5.25% ( i also went through an EBS broker and my broker was also pushing that I...

Hi Pokemon - would you pm me who you are using to take the legal case ? and let me know do u find them good etc ? are you appealing your compensation or looking to have your tracker re-instated

Thanks for this tip tracker scandal !

Hi Tracker scandal _ I would really appreciate it if you don't mind- would you post the rates from january 2008? many thanks

Hi There - I just saw this in another thread and though it was really worth posting here for 2 reasons ...... see attached image all bank rate in june 2007- 1) EBS has no mention of SVR only variable, only one variable product in the list however 6 tracker options available defined by LTV (...

Hi Tonymac - have you written to the central bank on this - based on all the info provided in this post I to date I cannot understand how the CBI have not picked up on this very strange thing called the EBS variable base rate - or rather the amazing chameleon rate -

Hi Tony mac - does the application form she filled in, in 07 not say what she will transfer to after the fixed loan period has expired or even give her an option to fill in the details for the tracker ? i would ask them where was the option on the fixed rate application form to choose to opt...