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Thanks for the replys. If I decide to switch again after a year, are the breakage cost dependent on how long I decided to fix for?

I am currently with AIB 3.15 variable 234,000 left outstanding. I have handed all my paperwork into EBS and was going to swtich to them for 5 years at 3.0% with 2% cashback, then an extra 1% after the 5 years. (I wanted to fix for a while, but AIBs rates were poor and the cash back clinched it...

That's good advice thanks very much. I'd be at pains to fix with AIB when I could switch to BofI in a year or so if house prices continue to rise. Also what is their market share and what is their target?

We have no equity in the house. We have 240k left on the mortgage and I think the house is worth 220-240. (original loan was 275k) We are on the standard variable with AIB 3.15%. Due to our LTV>90% we cant switch for at least another year until we have a small bit of equity in the house. I'm...

I'm looking on some advice regarding whether to switch mortgages and if so, to what? We currently have 240k to pay back on our mortgage, they house is valued at 300k, so mortgage is 80% of value. We are with AIB, 3.4% variable (1146 per month), we can switch at any time. I think we have 3...

I haven't said I wont repay the money, however I want to do it with as little inconvenience as possible.

thanks for the replies guys. I'm not a chancer, however the bank did rub me up the wrong way today by not answering questions regarding why this had happened. The honest answer would have simply have been to say that they made a mistake. Also, demanding that I do all the leg work to correct...

Thanks for the replies. I have seen newspaper articles where when money was spent after a bank error and the customer genuinely thought they were spending their own cash, the court ruled in favour of the customer. This is the same situation I find myself in. Regardless, do you think AIB would...

I'm not being smart, but what specifically have I done fraudulently? I have acted in a good faith at all times, all errors have been with AIB.

Long time lurker. This is a long and slightly complicated one, any advice here would be greatly appreciated. I applied for a new credit card with my bank (AIB) and in the process of opening the card, had a balance transfer for €5400 from another creditcard (tesco bank) that I hold. I usually pay...