They all refused as my last mortgage was in arrers and so my credit rating was bad. I went to the Ebs they said yes we will give you a mortgage. My last mortgage was fixed so I said I'd take fixed again. Delighted I told my colleagues in work they advised me the tracker was best. I then returned to EBS and I asked to change to a tracker, I was told "you can't change your mind as the paperwork is done. I asked again and was told " sure it's only for 3 years, we will look at it then. My first year was interest only. So I then signed my life away.
I changed my mind I wanted a Tracker and I was told "you cant change your mind as the paperwork is done" I still didn't want to sign the contract but then he said "sure it's only 3 years " at that stage I realized that I had no option but to sign the contracts.
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Govenor Lane apologized numerous times on behalf of the banks.
If we lived in any other part of the EU we could get a mortgage from the country with the cheapest interest rates. Not the high rates the Irish Banks charge it's people.
I can't see anywhere that the poster has showed any contractual rights to a tracker. For it to be contractual, it has to be in bl;ack and white on some documentation relating to the loan.JennyBaby just for your FYI - Also i saw this in another thread - its very simple - it explains what you were entitled to at the time - and you were denied this - but now you just need to prove it?
The scope of tracker examination includes : "customers had contractual rights to be offered the option of having Tracker Interest
Rates applied to their mortgage accounts at any stage during the Relevant Period and
were not offered the option of having Tracker Interest Rates applied to their accounts
at the appropriate and/or any stage during the Relevant Period"
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