Events
Mortgage Taken OutNote: Mortgage Payments Fluctuate Between 2006 - 2011Letter RE: Inquiry of Fixed RatesLetter RE: Euribor -> BCOFStatement 66: €1196 - Pension Backed
Note Commerical = €2505
interest rate on statement = 3.27%Meeting with BOI:
'Loan not performing' - Due to pension
No Missed Payments + Pension Maturity = 2025.
Discussed Selling Garage ( Not Collateral)Employed IRC to review case (Forensic Accountants)
Analsyed Euribor/Bcof differenceMet Barrister In FourCourts - Martin Hayden, happy to take on bank on Clause(Euribor->BCOF)Letter Asking BOI if loan was part of Tracker Mortgage Redress Issue
7 Weeks Later: Denied that it was.Pension Payments Cease (Sometime in 2012)Letter Sent to Bank Enquiring to Breakdown of BCOF/Cost of Liquidity/Margin
Treated as Complaint multiple times despite Barristers Letter.Eventual Reply following numerous 21 days/ 7 day warnings etc. Confirm interest rates as per statements with breakdown of BCOF/MArgin (Not Cost of Liquidity)Employed Bankcheck Ireland to do similar reviewEmployed Financial Advisor to Deal with Bank.Meeting: Solicitor/Barrister/Pj/Conor - Decision RE: Course of Action ask for breakdown of loan then threaten legal actionPeriods
Monthly Payment = €1196 / € 2505
Interest Rate on Statements = 1.61% (December 2019) Interest Rate in 2011 = 3.27%Bank:Delay Responding to Solicitors Letters RE: Interest Rate BreakdownBOI Delay Responding to Mortgage TRacker Redress Query from Financial Advisor
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