Hi How does one get in contact with Padraig Kissane, his office is closed and obviously off due to Covid?
Many offices are closed, but most people are working from home - send him an email
http://www.padraickissane.ie/contact.htm
Keep it short and to the point. Give the precise dates.
He does charge a fee of €1,000 if he thinks there's a case, but worth every cent.
You are in a group of about 400 KBC customers who straddled the date of the flyer. They say its the application date and not the drawdown date that applies, but as the contract is not in force until the drawdown rate, there is a very strong argument that the flyer promise should apply to anyone who drew down after November 6th. Any broker that got that would have clearly assumed that any undrawn down mortgage would have that condition applied.
I would also guess that the offer of contract says that the current rate is XX% but it is the rate at drawdown that will apply.
I suggest you spend a few hours reading the entire mortgage offer document and mortgage contract. Highlight anything that mentions interest rates, rate it rolls on to, options on expiry, and in particular anything on the offer documents stating that the interest rate and terms can chnage between than and the drawdown