AIB My case

jpbyrne

Registered User
Messages
30
Hi Brendan and all

Attached is the response letter I received after almost 200+ Business Days since I submitted my appeal in July 2018 (I have a letter I sent to the Central Bank with a detailed chronology which might be more useful on the separate thread on timeline).

I did not use Brendan's standard template and as you can see received a slightly different response which refers to a consideration of whether a variation to the contract was agreed. I never claimed such a variation occurred but that is the approach the panel took (incorrectly in my view ~ the panel just needed to interpret the existing contract terms correctly). I had a number of exceptional circumstances (the Bank uses the word extenuating but I don't believe that is the appropriate word) which seems to have got the panel thinking but ultimately they rejected my appeal.
 

Attachments

jpbyrne

Registered User
Messages
30
Hi Brendan and all

Attached is a letter I sent to the Central bank to complain about the delay in getting a decision on my appeal (200+ business days) which I consider was a breach of the Panel Rules. Attached to the letter is the chronology of interactions I had with the Panel over the 200 business days which might be useful. Also as FYI I got my decision 2 days later which I have posted separately ( appeal rejected).
 

Attachments

jpbyrne

Registered User
Messages
30
Thanks Brendan. As an FYI I submitted this letter that I received in September 2007 to the Panel on the basis it was consistent with my claim that the appropriate tracker margin on my account was 1.1%. The Panel ignored the letter but gave consideration to the follow up call I had with the Bank to exercise my option (I went with Fixed again hence am in prevailing rate cohort).
 
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