Hello,
Quick question if possible. We had a tracker - fixed and then broke, paid a fee and back on variable. After Thomas Judgment trying to see if we can get tracker back as feel as in same position. Our dates are:
Got mortgage in 2006 (tracker)
fixed in July 07
broke 5.12.08 (having taken advice from AIB on the 4th)
lodged our complaint on the 10.1.14. (ombudsman accept that is date of complaint) however we had a very sick child and in total 3 children under 3 so just didn't get anything done on it.
Wrote to Ombudsman again last week. Received letter yesterday --Told that the start of the 6 years is July 07 when we fixed. Therefore out of time.
We contend that it is not that it is the date we broke which set the chain in motion. My husband has read the Thomas appeal inside out and it seems the date in question in that case what the date of breaking out of the fixed mortgage and not the date they fixed. I am not so sure.
Has anyone had this problem? or does anyone have an opinion as to the date that would be correct?
thanks
Quick question if possible. We had a tracker - fixed and then broke, paid a fee and back on variable. After Thomas Judgment trying to see if we can get tracker back as feel as in same position. Our dates are:
Got mortgage in 2006 (tracker)
fixed in July 07
broke 5.12.08 (having taken advice from AIB on the 4th)
lodged our complaint on the 10.1.14. (ombudsman accept that is date of complaint) however we had a very sick child and in total 3 children under 3 so just didn't get anything done on it.
Wrote to Ombudsman again last week. Received letter yesterday --Told that the start of the 6 years is July 07 when we fixed. Therefore out of time.
We contend that it is not that it is the date we broke which set the chain in motion. My husband has read the Thomas appeal inside out and it seems the date in question in that case what the date of breaking out of the fixed mortgage and not the date they fixed. I am not so sure.
Has anyone had this problem? or does anyone have an opinion as to the date that would be correct?
thanks