I've just settled a long running complaint (over a year) with ACC Bank having had recourse to both IFSRA and the (former) Ombudsman for the Credit Institutions. Turns out that a number of lump sum capital payments I made during the year were not treated as such. That and a whole list of other anomalies (including non issue of statements, altering date of DD collection without prior instruction etc) lead to me making a complaint of maladministration against the bank. The complaint was upheld, eventually, and I was awarded €1000 in compensation. Not nearly enough considering the large file of correspondence I accumulated in my efforts to sort out the mess. I'm still stuck with them unfortunately as I think the cost of moving my loan elsewhere would outweigh any advantage in moving elsewhere (the outstanding loan is relatively small). I wonder have any other AAM readers encountered similar problems when dealing with this bank, I believe I'm not alone?