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Fixed in july 2007 to role onto the tracker rate on expiry in 2012 . Broke out of fixed rate approx feb09 have been offered a 3.3% +tracker . Was on 4.5% SVR

Received this this morning ...sickened is an understatement . I have gone from a SVR of 4.5% to ECB+ tracker margin of 3.25% despite my ESIS with a margin of 1.1% [broken link removed][broken link removed]

Exactly randon2011, poeple have lost their homes over the incompetance of PTSB , yet all we will hear is how much "so called compensation " the banks are offering . They should be made deliver not only on the contracts of the loan offers but also on the assumptions made...if they had set the...

The more I read this the more confused I am !!! My mortgage rate from next month is 3.3% . What if the ECB rate rises? which as we all know the only way for it now is up, as it can hardly go any lower ...could we be faced with even higher rates in the future ?? A lot to think about before...

Hi all , I use open 24 banking but have never used it for checking anything to do with the mortgage , do I need to set up ? Or how do I view it online ?

Anybody see the article in the Independant yesterday ? Interesting read .. I can't post the link I'm afraid .

GREAT , Thanks Matan

I am just reading over my original post here , what it should say is " I have just looked over the letter of approval for the loan " Is this the same as the letter of offer ?

Fingers crossed is right !!! I know it would make a huge difference to my situation .

Hi Brendan , I would hazard a guess and say maybe they don't know they are entitled to it . I know I didn't. To be honest I had to search the house for the original loan aggrement as I couldn't remember the actual , mortgage type myself for sure. Also many people may have restructured their...

Thanks Brendan , I had no idea there was even an ongoing issue or a high court case until the recent article I read in one of the national newspapers.

Took out a tracker mortgage in 2007 , first 5 years at a fixed rate , then to conver to the tracker after the fixed rate period ended. However rang PTSB in 2009 and was allowed to break the fixed rate period without incurring a penalty. Looked over the loan offer last night and it states in the...