Stage 2I am trying to figure out where this is at. If you have complained to AIB and/or the Ombudsman, could you reply to this thread please indicating which stage you are at.
Stage 1 - Complaint made to AIB - awaiting a response
Stage 2 - Reply received from AIB on x/x/2021 . Haven't complained to Ombudsman yet
Stage 3 - At mediation stage with Ombudsman
x/x/2021. Reply received from AIB
y/y/2021 Complaint submitted to Ombudsman
z/z/2021 Received a call from the Ombudsman's mediation person
Stage 4 - At investigation stage with Ombudsman.
n/n/n Mediation concluded without an agreement. File sent for investigation.
At this stage - The Ombudsman sends questions to AIB and AIB's answers are sent to the borrower to respond. Then the borrower's response is sent to AIB, and so on...
This stage can last months until both sides say that they have nothing further to add.
Stage 5 Adjudication Stage with Ombudsman
Both sides said that they had nothing further to add and now the Ombudsman has to make a decision.
Stage 6 Preliminary Decision issued.
Stage 7 Legally Binding decision issued. Both sides have 30 days to appeal to the High Court.
Stage 8. 30 days after Stage 7, the decision is binding on both side.