Big B shoots KBC grand finale

[baubleusual]

I went through appeal process last year, can’t remember dates offhand, but think it started during Summer and completed Oct. A lot of letters been sent to verify stuff or if you wanted to add any extra info against KBC. I was appealing the compensation amount as In our case the compensation rate I thought it was pitiful in relation to all the stress caused plus things that we had to forego in the past, had gone to ombudsman and failed before tracked redress.

[delightoccupant]

In our case the ombudsman could not rule in our favour because our mortgage contract was more than 6 years old. The central bank intervention is what saved us. I waiting on appeal process decision and can then go back to ombudsman to get our complaint reopened. The bank KBC were wholly untruthful in their defence of our complaint we put before him.

[ompressedoblong]

Think about how you are listing the basis of your appeal. Keep to the point by using your original mortgage contract. If you do not have a copy request one. Check the contract on page two I think it is page two. The contract should state .... " the interest costs will follow the European rate at a fee .95% ..." in KBC terms. It best to use contract than leaflet.

[hypnotistapparent]

Sometimes by asking the right question you can be successful . All successful trackers are based on that line in the mortgage contract. Check your contract and if it there written in black and white go back to bank give them a week. Then go to ombudsman if they fail to acknowledge this.

[tintedrheidol]

We had our oral hearing, it was totally different to what we expected. We had sent all the information that the panel asked for( as per previous post) and were expecting a battle to prove that the over charge was responsible for our health and financial problems. After a couple of questions in relation to farm loan going into arrears the tone of the meeting switched to the impact the over charge had on our health and quality of life.

[baubleusual]

We found that we were able to go into great detail on how the over charge affected our lives over the 9 year period. Both of us had problems with our health over the period which was backed up with medical reports and I feel this was the reason for the tone of the meeting. We would advise everybody to look for a oral hearing as this is the only way the panel can can look you in the eye and see first hand how the over charge has effected you. We will know in 3 to 4 weeks the out come of the hearing.

[tintedrheidol]

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