Hi,
In 2002 I took up a mortgage with AIB and in 2004 I was encouraged to request a tracker and duly did. Happy days.
in 2006/7 I applied for a top up and the process was expedited at my branch as it was to invest overseas.
AIB produce the loan offer at the prevailing rate and in a review I challenged whether I could avail of the tracker and they said no and I am not sure exactly why but essentially my account manager said it was not available for this type of transaction.
I accepted and am still paying it off.
Recently in the bank I spoke to a staff member and they said that top ups were to be included in the review and I duly sent my information to the team who in turn said they have no written request for the product. A technicality that appears again.
Now to the ombudsman and they have uphelp that view.
So, the situations is that I should have written to them as I would have for the introduction but this was different, they did not offer the product to me.
I am now a bit embittered when I had accepted what the verbalised. Not a happy customer.
Any advice appreciated.
In 2002 I took up a mortgage with AIB and in 2004 I was encouraged to request a tracker and duly did. Happy days.
in 2006/7 I applied for a top up and the process was expedited at my branch as it was to invest overseas.
AIB produce the loan offer at the prevailing rate and in a review I challenged whether I could avail of the tracker and they said no and I am not sure exactly why but essentially my account manager said it was not available for this type of transaction.
I accepted and am still paying it off.
Recently in the bank I spoke to a staff member and they said that top ups were to be included in the review and I duly sent my information to the team who in turn said they have no written request for the product. A technicality that appears again.
Now to the ombudsman and they have uphelp that view.
So, the situations is that I should have written to them as I would have for the introduction but this was different, they did not offer the product to me.
I am now a bit embittered when I had accepted what the verbalised. Not a happy customer.
Any advice appreciated.