unfortunate
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- 142
Appreciate that. Did contact his office 2 months ago for initial opinion was quoted a fee and heard no initial thought back or got no contact. KBC gave me final response so took their advice and hit the FSPO with complaint.
Hi unfortunate, If you send in all you documents to P.Kissanes office and a letter outlining your case they will review your case.To me it's an obvious thing. But that's me. If FSPO does or not is another thing. PK hopefully is on it but if anyone else out there has any NEW view on it, bring it to the table please and maybe it'll help.
For review of my case it was €187What fee were you charged?
I I don't know thatHm. 187 is not a small sum at the moment. And I know it could be worth it. Have to talk to boss bout it. Does it matter if its gone to ombudsman.?
And also in 2006, we brought in a consumer protection code that goes beyond the narrow mortgage contract, and says you have to put customers first. From that perspective, what’s happening now is basically a major victory for the consumer protection role of the central bank. The redress and compensation flowing to customers is mostly not about violating contracts. It’s mostly about the wider questions of: “Did you put the customer first? Was all the information as transparent as it should be? Was it reasonable for the customer to read the small print of footnote 29 in terms and conditions?”
Thanks Peemac. Feb 08, approved April 08 drawn down May 08 through a broker, moving from a different lender for a better rate.
Loan was 333000 for 35 yrs, 3 yr fixed rate at 5.31%
Unfortunately things changed. We were on interest only from April 2010 then less than interest only late 2011. So the arrears were recapitalised owing over 386000 now.
They've put us on 1.25% now accoring to the letter.
I would think that is correct as you stated that you paid either interest only or less than interest only for a long period.@peemac redress pack received Mon. Excess Int 71k but they say no overcharge. Have contacted PK for an opinion
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