We discovered yesterday when we received our letter that we are in fact included in the central bank review of AIB mortgage accounts. We came out of 3 year fixed in Sep 2011 and were not offered a tracker. We have all the same clauses in our Aug 2008 letter of offer that we have seen referenced here (3.2, 3.6.1, 3.6.3). Part 1 does not actually state a tracker margin, as I believe is the case with many of your letters of offer also.
Having received this letter, I am now re-examining some unsolicited contact we received from AIB in Dec 2017, offering us a lower mortgage interest rate from another LTV band - dependent on us providing an up to date valuation report. What I am considering now is this: if they knew we were one of the customers under review (as I presume they did) and if they suspected we did not (as we had not made contact with them about the issue), was this an attempt by them to give them a greater legal footing for upping the offered tracker margin, as per the 3.6.3 conditions (property valued at less that the estimate in the letter of offer)? It seems incredibly co-incidental. Did anyone else whose account is under review also receive this letter? Am I being very tinfoil hat about this?
Having received this letter, I am now re-examining some unsolicited contact we received from AIB in Dec 2017, offering us a lower mortgage interest rate from another LTV band - dependent on us providing an up to date valuation report. What I am considering now is this: if they knew we were one of the customers under review (as I presume they did) and if they suspected we did not (as we had not made contact with them about the issue), was this an attempt by them to give them a greater legal footing for upping the offered tracker margin, as per the 3.6.3 conditions (property valued at less that the estimate in the letter of offer)? It seems incredibly co-incidental. Did anyone else whose account is under review also receive this letter? Am I being very tinfoil hat about this?