If you dont' like the result you can go to the Ombudsman, which is free and quick.
But solicitors will automatically issue legal proceedings which are risky, costly and time consuming.
Very bad. It could take a long time and the court might well decide that no further compensation beyond the amount already paid is due.If the bank has already admitted liability, how bad can the court case go for the borrower?
There's probably a misunderstanding here - you are unhappy that your mortgage has been deemed not impacted.How does one appeal not being included in a redress by the lender?
Jim Stafford, a frequent contributor to this forum, may be able to help. Contact details available on www.frielstafford.ieCould anyone recommend a good PIP in Dublin that could advise ?
Thanks so much for that , I presume I should contact them prior to lodging an appeal ? Or should I appeal first ?
Suggest that, before doing anything, talk to both. See who you feel most comfortable in working with. Jim is an accountant, Anthony is a solicitor. Depending on your own circumstances you might be better with one or the other.Thanks so much for that , I presume I should contact them prior to lodging an appeal ? Or should I appeal first ?
Hi BrendanHave you asked the lender to confirm that you are not included?
If they have not included you, then you can't go to their Independent Appeals Panel.
If they write to you and confirm that you are not included, you can complain about this decision to the Ombudsman. The Ombudsman will probably hear such complaints.
Or you can go to court, but as peemac says, the Central Bank has persuaded the lenders to go way beyond their legal obligations, so you would want to be very sure of your case, to risk going to court.
Have you received this in writing? If not, ask for it in writing.I believe I am being left out of a cohort as KBC are using the date I began the mortgage application rather than the date I decided to proceed and accept their letter of offer.