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Hello , has anyone received any recent updates from Padraic Kissane's office ? Specifically, in relation to the margin issue /court cases /public meetings etc. Thanks.

I email Padraic's office on a regular basis but nobody replies :-(

I hope you are correct . That certainly should be the case.

Hi, This forum seems to have totally dried up now . I was wondering has anyone had any success or otherwise with an appeal to the Complaints panel ? Thanks .

ok thanks..I am thinking of going same route myself. I asked you a question on another thread just about the wording on your loan offer .Mine did not use the word 'prevailing' at all ( not saying this is important ) just interesting to see if yours/others use same wording as mine.

Hi Wardy, Would you mind advising what exactly the wording is in your Loan offer/approval . Mine does not use the word 'prevailing' as has been mentioned on here a few times .Mine says: 'ON EXPIRY OF THE FIXED RATE PERIOD , AND WHERE THE APPLICANT CHOOSES THE OPTION OF A TRACKER MORTGAGE...

I am in the same boat as Wardy and hundreds of others. The purpose of my question was to try to ascertain if anyone in our position participating on this forum has actually lodged an appeal so far on this issue regardless of the rights and wrongs and the varying opinions on the issue. What...

Hello , could anyone advise if they have lodged an appeal yet in relation to the margin issue . I mean someone who has gone on the ECB plus 3.25 for example ?

31st October 2006 - 3 year fixed No margin stated. 3.25% + ECB in Dec 2009

Seems to be inconsistencies here. They received our forms on 11th August our mortgage comes out on 12th but we received the refund on 21st anyway which was bang on time.

If there was a full moon in the middle of all that there could be further delays :) Just give us our money back please !!

Hi, Thanks for your reply. I suppose what I was really asking in terms of whether it is corre couldn't agree more...

It's probably only a matter of time before someone takes a case on this issue and fingers crossed it's not too long coming. If you think about it logically- if you were on a fixed rate you could only break out of it with your bank's agreement (sometimes paying a fee/sometimes not) .It doesn't...

Hi,I rang about the calculations today and the guy on phone said they were waiting for Central Back 'approval' before starting to issue calculations .Whether that is believable or not I will let you decide :-) I got a letter today with the forms for the Complaints Panel so that arrived quite...

Hi folks, Is there a definitive view here on whether or not it is correct of permanent tsb to be offering the above rate to customers who don't have a specific tracker rate mentioned in their contracts. I know a lot of people in this position have been offered this rate and maybe are not happy...

hello, fixed late 2006 for 3 years broke out of fixed rate in March 2009 ( was due to expire in December 2009) . Been offered tracker of 3.30%.