There's a line in the letter that says if they had offered the tracker rate in 2012, it would have been the same or more than the variable rate at the time.
Which letter? If AIB said that in a letter, then you have a great case. Almost an admission of liability.
If the Appeals Panel said it, then it doesn't mean very much. The Ombudsman will not be influence by the decision of the Appeals Panel.
Brendan
You can't "carry on" with the Appeals Panel.
But you can make a complaint to the Ombudsman.
Brendan
No it does not lessen the complaint at all.
But the stupid comment from the Appeals Panel is not an AIB position. And it's AIB's behaviour you are challenging not the Panel's.
Brendan
I recall receiving a letter when my fixed rate ended(2011) however I couldn't find a copy of it. When I received the docs for my SAR from the bank I could see a reference to the letter being sent from screenshots of their internal systems but no copy of the letter was included with the SAR. I wrote back asking for a copy of the letter and surprise surprise they wrote back stating they could not find it. I'm 100 % positive a tracker was not offered in this letter.I just noticed while prepping my case for the ombudsman that i never received a letter at the end of my fixed rate (dec 2010) saying that i can avail of a fixed or variable going forward. At that time i chose to fix again and at the end of my second fixed rate i did receive a letter talking about fixed / variable and all the different rates etc.
Its like they didnt want to advertise the issue at the end of the first fixed rate that they werent going to offer me a tracker
Anyway maybe its just policy
I recall receiving a letter when my fixed rate ended(2011) however I couldn't find a copy of it. When I received the docs for my SAR from the bank I could see a reference to the letter being sent from screenshots of their internal systems but no copy of the letter was included with the SAR. I wrote back asking for a copy of the letter and surprise surprise they wrote back stating they could not find it. I'm 100 % positive a tracker was not offered in this letter.
lol, yeah their wording is different also in my case notes. It says at the end of the first fixed rate "our records indicate that a letter was sent " but then further down when talking about the end of the second fixed period it says "a letter was sent explaining rates etc"
I mentioned it at the end of my case to ombudsman anyway. There are no screenshots of this supposed letter in my response from bank so they didn't send it
The SAR info is bitty at best isn't it? So many redactions and missing info. It was always hard to get the bank to commit to anything in writing, even when requested, records of phonecalls are vague at best.
I'm guessing you were unsuccessful too in appeal? Did you find the board's response totally non-committal and almost dismissive? Almost as if they really didn't take everything on board?
Guys
Don't get distracted by trying to win battles which have no significance whatsoever.
What are you trying to prove? That they didn't send you a letter? A letter which you already know didn't offer you a tracker?
This is very different from people whose fixed rate expired before October 2008 who claim that they did not get the letter offering them a tracker.
Brendan
Is that what you really want?
For the Ombudsman to conclude that AIB had a service failure and for you to get an award of €200?
Or would you prefer the Ombudsman to rule that AIB should have offered you a tracker at ECB +1% and give you €30k in compensation and your tracker back?
You are playing into AIB's hands by distracting the Ombudsman with stuff like this.
Brendan
Is that what you really want?
For the Ombudsman to conclude that AIB had a service failure and for you to get an award of €200?
Or would you prefer the Ombudsman to rule that AIB should have offered you a tracker at ECB +1% and give you €30k in compensation and your tracker back?
You are playing into AIB's hands by distracting the Ombudsman with stuff like this.
Brendan
in my opinion the more issues they find however small, they are more likely to throw the book at them
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