Hi I am in exactly the same position hence the name of posting . I argued with ebs that the loan application form preceded the loan agreement and in my case was not referred to or included as part of the loan agreement documents , so is irrelevant and I agreed the loan on the terms in the loan agreement . However I am not restored or deemed impacted by ebs . I also highlighted to ebs that their chief executive mr . Byrne when in front of the finance committee in the recent weeks ( see clip minute 44 to 45 of his performance ) , stated those who had tracker in their loan agreement had been returned to tracker rate , I asked Ebs local branch mortgage master to inform him and his communications office that what he said was incorrect and that this should be clarified to me and in general for public transparency and indeed to mr.byrne himself . .. no word back on that .
Lastly , surely as part of European harmonisation , this scandal should be brought to Europe commission for review in terms of banking practice and licensing of banks ... are there no Eu standards ? And surely these have been breached . I think a case brought there might have effect if feasible , does anyone know ? I am Irish but I am an Eu citizen , surely this is the path to go now !