Questions for the Central Bank which those affected want to know
When the lenders identify cohorts which were not affected - did you approve those decisions? (For example AIB has a lot of customers who were entitled to trackers at the then prevailing rate when their fixed rates expired. AIB did not offer them rates. But now argue that if they had offered them trackers, they would have been at a rate higher than the SVR, so they were not affected.)
Could you expand on your thinking?I didn't mean the review itself just the manner in which it is being conducted.
I see the boys in the CB Are still reading AAM!The CB has just added three new documents to the website:
I don't understand you using the word 'retrospectively' ? Does that mean they deliberately plucked a rate in the present to say this is the rate which would have applied at the time?
Is that rate similar to prevailing rates in Bank of I and PTSB.
Although ptsb were no longer issuing trackers to new customers, they offered those borrowers whose fixed rates expired tracker rates of 3.25%.
Are PTSB entitled to set these rates and if so how do they calculate them as it would appear to me they were cleverly calculated to induce customers off trackers?
Brendan
Did FA have a prevailing rate in March 2009 or should it revert to original home loan tracker rate?
Does this mean I should be on the tracker rate of April 09?
If the rate in April 2009 was 2.25% and increasing to over 3% later that Summer before PTSB stopped offering trackers then how could my rate in March 09 possibly be 2.35%?
When is this legal case you referenced on this issue due before the courts??
Are the rates different for each customer, surely not, how are they calculated??
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