It's a very interesting point.
I was disappointed that it took so long to conclude the investigations and fine the banks.
But, ptsb , KBC and permanent tsb were the first to be concluded. And now that the investigations are over, they feel free to challenge the recent Ombudsman's decisions in the High Court.
I would say that AIB was discouraged from challenging the Ombudsman's decision because they knew that it would only antagonise the Central Bank even further.
But the tracker cases could be going on for years. People have 6 years to go to the Ombudsman. They are still getting new tracker complaints.
Maybe the Central Bank should have issued a preliminary conclusion and fine? With it to be reviewed on conclusion of outstanding cases?
Brendan