Through a barrister, I provided the central bank with emails where the bank had admitted I had been entitled to my tracker back and they had used my case as a test case in the financial ombudsman's office. TheY went on to say that the bank was better off by having paid 'compensation' money rather than having an active mortgage on their books and that it wasn't reflective of the actual cost. I had gotten these though a data request just before Christmas and had tried for four months to get any good of Ulster but they were obfuscating at every turn, completely and utterly impossible to deal with.
At the end of March as I was totally fed up and frustrated so I got a barrister's advice and we sent this information into the central bank. A copy was also sent to the Ulster. The central bank contacted me in April seeking permission to specifically refer to my case in their wider actions with the bank to which of course I said yes and that I would be happy to provide any info they needed. I got a letter finally confirming from Ulster that my case will be reviewed in their examination & the ombudsman office confirmed yesterday that he also got a letter saying all ulster cases which had been through his office would be similarly reviewed
Yes the FSO does, Ger Deering is aware of that I met with him in February to go through the process there and my case as I had done a data request on the fso regarding my case also. There is no method for calculating compensation & that needs to change, you are essentially in breach of contract as the bank has breached a condition of your contract, therefor you should have the remedies of specific performance ( make them give it back) or damages (return you to the position you should have been in) or both. The process has changed so that the bank has to go to mediation which is good but the 'compensation' calculation etc needs to be made proper otherwise you are better to go to court but that means the high court which is €€€
At the end of March as I was totally fed up and frustrated so I got a barrister's advice and we sent this information into the central bank. A copy was also sent to the Ulster. The central bank contacted me in April seeking permission to specifically refer to my case in their wider actions with the bank to which of course I said yes and that I would be happy to provide any info they needed. I got a letter finally confirming from Ulster that my case will be reviewed in their examination & the ombudsman office confirmed yesterday that he also got a letter saying all ulster cases which had been through his office would be similarly reviewed
Yes the FSO does, Ger Deering is aware of that I met with him in February to go through the process there and my case as I had done a data request on the fso regarding my case also. There is no method for calculating compensation & that needs to change, you are essentially in breach of contract as the bank has breached a condition of your contract, therefor you should have the remedies of specific performance ( make them give it back) or damages (return you to the position you should have been in) or both. The process has changed so that the bank has to go to mediation which is good but the 'compensation' calculation etc needs to be made proper otherwise you are better to go to court but that means the high court which is €€€
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