Thanks Red Onion, comments appreciated,All irrelevant. CBI have opened the doors on the tracker issue, so there's no need to be looking for anything fancy, in my view.
CBI didn't look at the books of any bank - they all provided data for which they are accountable.
Edit: my post might have sounded dismissive of another professionals work. That wasn't my intention if it's how it's read. Lots of these legal angles are really important when you're taking an action against a bank, and I've been on the other side of documents prepared by people doing similar work.
However, the CBI has put processes in place in relation to trackers to remove the need for lots of these arguments. There are thousands of people who have got their trackers back in scenarios that wouldn't have won in a high court action. The tracker examination process should be exhausted before looking for clever angles. Start might not even know these documents exist if the loans had already been changed to something else before they merged.
Do you think the Central Bank would reopen the tracker mortgage examination now, as it appears from reading Nua’s Consumer Credit Act Notice that all Nua Homeloans variable rate loans are tracker Mortgages?
Do you think I have got a valid case to be put onto a tracker rate?