I requested docs however relevant letters from 2007 missing, telephone transcript supplied contained 3 words, luckily I do have originals docs and notes taken from calls
Letters also missing from 2007 & 2008. But they mocked up a letter on a word document and dated it as Aug 2007 even though it was created 25 Jan 2018.!!!
All of this what is described above makes this exceptionally difficult to understand how KBC are taking such a hard line on certain complaints. If they don't have the documentation/records, they should admit this rather than saying there was no letters at all. Every communication found that proves them wrong, places doubt on their version of events. If they say xyz does not exist, and it does - the logical question is what else is missing.I've also been told there's no records of 'roll off ' letters but I know that's not true. I have since discovered the one I was sent.
If you fixed for a year in 2006, on expiry in 2007 you say your rolled over (to what?) before you fixed again until 2008? Did you fix in 2007 via the broker or directly with the bank? What options were you offered in 2007 (trackers were still available at that time) and did you explicitly ask for a tracker? As trackers were all the rage in 2007, I would be surprised if it was not mentioned at some stage in some conversationI drew down 06 rolled 07 but fixed again til 08 then when everything went bang fixed again til 13. How did you discover letters?
Agree - try and organise yourselves into relevant groups based on your 'general case', work through the details and check out the commonalities you have. You also need to decide if you are willing to take a legal case here, and whether you wish to engage the likes of PK to progress this on your behalf.Those of us who believe that KBC have a case to answer in relation to our entitlement to a tracker need to get together to compare notes and lobby relevant authorities. United we stand, divided we fall!
What was your date of application, letter of offer issued and signed and drawdown?Took out Private Dwelling House mortgage starting on 3yr. fixed rate in Dec.2006.
Have you send your case into P.kissane for review, really believe we need someone like him fighting in our corner. He has the expertise to put pressure on kbc. I send my case into his office a few weeks back and they rang me on Monday and believe I have a strong case. My application was on the 18feb 08. He has his own team of legal experts that will tell you if you have a case or not.Those of us who believe that KBC have a case to answer in relation to our entitlement to a tracker need to get together to compare notes and lobby relevant authorities. United we stand, divided we fall!