Niamh Byrne
In 2008 when the fixed period ended, I was put on an SVR which I challenged for 9 months.
In May 2009 I was on a variable 3.85% but aib had 2.5% rate - I had no choice,so I switched.
There was no discussion of trackers in the media at the time.
In 2012, I saw that Ulster were allowing tracker holders to move their tracker mortgage to a new house
Went to the FSO - asked how long it would take - they told 5 months
Finished in DEc 2014. Delayed 5 times as FSO needed clarification from Ulster Bank.
By the FSO's standards, I had a victory. They gave me €25k but did not give me back my tracker.
When it hit the media the following autumn, I did a data protection order on the bank. Internal emails showed that if I had been a customer I would get a tracker back. For Ulster Bank, the Ombudsman was a no lose situation. If I won, they would not have to give me back my tracker.
I went back after the bank. I wrote to them every week last year - 40 times. I had a meeting with Ulster in December. They spent the meeting telling me to stop writing to them. In January 2017 they deemed me as impacted.
I know my case is more complicated because I switched banks.
I wrote to the CB saying that they were not adhering to the CB guidelines.
So I applied to the FSO again. They told me in June that they had not got my online complaint as there were problems with the system. But they won't do anything until the examination is finished.
Last week, Ulster told you that there were 1,000 customers like me who had switched who had not been told.
It's 9 years and 2 months since this happened.
I am watching my mental health.
A brilliant performance.