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Thanks Brendan That makes sense, i couldn't think of any reason why it would be beneficial to skip adjudication.

The way I believe the process to work is as follows. The first phase is the resolution or mediation phase. Either party can opt out of this and proceed to the the 2nd/investigation phase which in turn leads to adjudication. I'm not sure why anyone would want to opt out at the adjudication stage...

I think you have six years to complain. As the actions were ongoing, you only count from 2017. Someone else might confirm this

Is the AIB account purely a tracker issue or was there any other issues in how they treated you's during this period? Brendan has given some very good advice and as he says keep them separate and don't confuse the 2. Although the loss of the property has no bearing on the AIB case. The tracker...

just checked my documentation, resolution phase was to be no more than 12 weeks, my case was quite complex compared to most and only went a little over and remember the resolution officer was very keen for both parties to stick to the 12 weeks time-frame.

having been through a number of complaint procedures, FSPO case and a data protection case, yes they are both inundated with cases and as expected will take a long time to complete these but the banks are also playing the system when it suits them, make no mistake about that.

May have been 12 weeks would need to check, but was a relatively short period compared to other parts of the process

This looks like how the process has gone, I'm sure the op can clarify. Op also stated there were 2 years of back and forth which suggests it went past mediation. Timeline for mediation phase is only 6 weeks and the fspo is quite keen not to go on any longer during this phase

I took it that it has been through an investigation and the bank now want to try and resolve this. The question is why and how unusual is this course of action at this stage

When exactly was this and how did you request the tracker? What way we're you refused? It is possible the new mortgage didn't qualify for a tracker. If this happened 2007 or 2008 I would still get it checked properly

When you say you can't find a paper trail for it now, do you mean you have made data requests and data relating to the tracker offer is now unavailable?

Did you receive a log of correspondence as part of your data request? If not make a request for this with the sars team. I have a tracker case where I was offered a tracker mortgage on the very day they stopped offering trackers. I was then told a few days later over the phone by the branch...

https://www.askaboutmoney.com/threads/independent-appeal-panel-aib-percieved-actual-conflicts-of-interest.215816/ This was a recent thread on here that discussed the panel with a link to who was on the AIB panel

A quick Google search on each of the panel. Only 1 panel member works for AIB and all others members appear independent

Central bank guidelines for appeal process - link 2. Composition of Panels; Members Qualifications and Experience It is the Central Bank’s expectation that all members of Appeals Panel ‘A’ and the majority of members of Appeals Panel ‘B’ shall be independent (the Central Bank expects that the...

+1 same experience with EBS, 2 official complaints and other internal investigations by a number of other departments found some of the missing calls in dribs and drabs over a 2 year period but it was not until the data protection office got involved they decided to hand over most of the missing...

misinterpreted this at first, original response edited. agree this is confusing as I thought the central bank decided on the different cohorts and the FSPO was to decide on the individual cases as the central bank does not get involved in individual cases.

64. A lender must maintain recordings of all Arrears Support Unit telephone calls made to or from a borrower in relation to his/her arrears or pre-arrears. assume "all records" from section 65 includes recording but not very clear

EBS started recording from the start of 2013 ccma 2013 65. All records required by, and demonstrating compliance with this Code, must be retained by the lender for six years. In addition, all records relating to a borrower must be retained for six years from the date the relationship with the...

this internal document also states " Capitalize arrears now includes escrow 4 debits ie. unpaid dd's in the current month". Not sure what this was meant to mean but seems like they included the current month as arrears when they shouldn't have as this was due to be paid by end of that month...