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I received costs from BOI to cover professional services used to prepare and support my appeal submission which was subsequently upheld. I just had to submit receipts (and in fact I even included relevant taxi and courier receipts too, which were also covered)

Has anyone an email address for the Johan Thijs? I think he needs a strongly worded email highlighting exactly what pages need to be turned! What an idiot. So out of touch. So arrogant.

I would find out from GT exactly what information has been requested from BOI. Ask for it in writing. I've found the people on the GT helpline pretty open and surprisingly helpful. They have put answers to questions I've put to them, in writing to me. I'd get on the phone to them and find out...

I'm not even an impacted AIB customer but I'd be happy to support this action!

As noted on a previous thread about this from Jim Stafford..."one way to present your case to the Appeals Panel would be to present a "Before and After" computation i.e. show what the present day value of your pension fund today with what the present day value of the fund would have been if you...

A financial advisor who didn't feel capable of producing the calculation himself suggested an actuary. A have got a quote of about 1.5k from an actuary (but one who insists on me going through him via a solicitor which will therefore incur and additional fee). Who else would I go to? Or how...

I need the help of an actuary to support the appeal I'm planning to submit. I need help to illustrate where my pension would be had over-charges gone into my personal pension rather than my mortgage. Can anyone recommend an actuary to approach directly to provide this kind of service? I've been...

My main loss from the over-charging is that I didn’t pay into a pension for a number of years; I prioritised my mortgage. Had I not been overcharged and had I been on a tracker; the only place that money would have gone was into a pension. I had a rainy day fund. I don’t have kids. I wasn’t...

I got an additional €500 payment per mortgage account into my bank account today (not a BOI account). I haven't received any correspondence on the additional payment yet.

The rate reduction is applied automatically. I don’t know if you can just amend the MFA hence I’m getting legal advice.

Exactly Lucian. No need to return the MFA when returning payment instructions.

I got verbal confirmation from BOI today that to get paid redress and compensation you do not have to return the Mortgage Form of Authorisation. I'm holding off returning the MFA until I get legal advice and for a while I thought I couldn't submit my payment instructions until I had returned...

In this context, the Repo Rate per Bank of Ireland's loan documentation refers to the "European Central Bank Main Refinancing Operations Minimum Bid Rate" i.e. the standard ECB Rate that tracker loans track.

How do you figure out what the principle balance should be reduced to had the issue never arisen? I'm trying to recreate the calculations BOI arrived at and run my own numbers. Given that BOI won't send me a data file to work off it's quite laborious as I made several changes to my account...

Are they just trying to estimate appeals and adjusting what they offer as we react? If that’s the case, sit tight; all manner of complications and challenges are going to emerge. Ten percent is pathetic.

I got my redress pack too. Thrilled! I’ll certainly be appealing though. Nothing to lose. In my opinion, 10% is insufficient compensation for denying me over 40k over 8 years. And €250 for advice is an absolute joke. I didn’t get my voluntary overpayments returned either and no mention of...

I’ve also noted that I’m no longer getting the scripted apology when I call -I miss it! It was such a joy to hear it the first couple of times.

I called yesterday too and was told that I should have already received my redress pack and that it was sent "some time ago". I haven't, received it so I've asked them to resend it. I also got a letter from them in response to a letter I had sent them pre-empting my redress where they...

No letter of redress yet. But to try and avoid any time-wasting and further delays, I want to set out my expectations for redress to include refund of voluntary over-payments and restoration of the original term. If I don't, I expect them to ignore it and then it's another little battle that I...

I lost my tracker in July 2009 which has just been restored by BOI. Since that date, in an effort to try and clear my mortgage account as quickly as possible, as it was costing me so much: I voluntarily made a couple of significant lump sum payments to the mortgage account I chose to make...