Please feel free to report any of my posts that you feel breach any forum posting guidelines.
Like many here, I have huge regard for Pádraig Kissane's work on behalf of borrowers. However, he has yet to post any evidence, as far as I know, to justify his claim that a bank has systematically been changing the terms and conditions of any existing loan documentation. I don't doubt that he has such evidence but it has not, as far as I am aware, been published to date.
I do not doubt your motivation but, frankly, I do not consider the various legal arguments and theories that you have posted here to be convincing or even credible and I have no desire to enter into any futile debates with you in this regard.
Like many here, I have huge regard for Pádraig Kissane's work on behalf of borrowers. However, he has yet to post any evidence, as far as I know, to justify his claim that a bank has systematically been changing the terms and conditions of any existing loan documentation. I don't doubt that he has such evidence but it has not, as far as I am aware, been published to date.
I do not doubt your motivation but, frankly, I do not consider the various legal arguments and theories that you have posted here to be convincing or even credible and I have no desire to enter into any futile debates with you in this regard.