haveaniceday
Registered User
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This document is identical to the one i have, I am trying to figure out if this document is the loan agreement and have been disputing this with them for a number of years as they insist this was not a loan offer. although it says it is a tracker application form it appears to me to be a letter of offer. it has the stated rate above ECB and also says “in this case, the tracker mortgage will remain at x.xx% above the ECB repo rate for the remaining life of the loan. The rate will apply from the 1st of the month following receipt of this request.Hi. I received documents from the Sars unit this week. The original loan facility was not provided along with the original contract. I have since requested these. The only document of note is this tracker application which we signed at the time.
Any advice would be greatly appreciated
What does it say on your loan offer?Hi . May be a slightly different cohort here. Started on tracker. Never signed up to a fixed but rolled onto a SVR around 2008 when an SVR matched the tracker rate at the time. Never got back on tracker and was unaware. Anyone else in this cohort?
Accenture tasked with looking at EBS's tracker issues.
Did you find out if there was another loan offer or was this "application form"Hi. I received documents from the Sars unit this week. The original loan facility was not provided along with the original contract. I have since requested these. The only document of note is this tracker application which we signed at the time.
Any advice would be greatly appreciated
Did you find out if there was another loan offer or was this "application form"
the loan offer?
Yeah Deansmith not really inspiring is it that SARS can't send you your loan application form?
what I can only surmise from what I have see from people posting on threads here is that this organisation was / is a complete shambles
- not only that but key people in positions in this organisation at the time that these ' not worth the paper they are written on loan deals ' still have MAJOR roles in Irish banks/ mortgage operations in Ireland today
SARS failed to send me what I asked for too - basic information - Like 'the terms of my loan agreement' - you could not make this UP!!
I’m hoping that they won’t finish their review until EBS & some of the other banks pay up. If the CBI were happy with the banks explanation as to why each cohort should not be deemed impacted, said banks would be very quick to let customers know that.Tactically they may just be stalling until the CBI finish their review.
In any case if they were to magically furnish the original terms of my loan at a later court hearing, they would clearly be in breach of the GDPR regulations as I have in writing a number of requests for all contracts & info relevant to my account. I'm not too worried if they cant get their business together at this time. I'll press ahead with forwarding all my info to Padraic Kissane
Great stuff , thanks for that . Ringing them earlier week no movement in balance . Amazing how distrustful I have become of them , won’t believe it till I see it ! Each time I do the calculations and each time they vary using amortization tables one at average rate over x years as charged and then one at tracker average rate over years so is only approx . Have you a straight forward calculation ??!!
Delighted for you , enjoy the champagne !
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