Am sending heaps of positivity to you that the Bank respond with what is fair and just. Michael McGrath will reply he usually take a a couple of days.i have also emailed pearse Doherty this week too...was very impressed with him when the bank weree before the committee a couple of weeks ago. I think your case sounds extrememly positive...while the appeals panel may not have teeth, they have formed an objective view. I have explained my case to a family friend who is a solicitor and they said our cases sound very straight forward and if the bank have no evidence of being clear and transparent than our case is strong..ie it is not enough to sign post people to an internal intranet explaining staff mortgage rules. . Especially when they have left the organisation. As I say everything crossed for you!Ok so just an update no real news yet except to say that I've been told I will have a response from the bank tomorrow 10 further days of a 20 day response timeline (no suprise there). Also I took peoples advice and decided what harm would it be to email Michael McGrath so I have done that yesterday. No response yet but more that know about it the better.
Ps I've asked the ombudsman the question of what happens if the bank don't reply within the 20 days they ask them to do so...still waiting on the answer to that!