Вы затронуты скандалом с ипотекой?
In 2015, it was revealed that Permanent TSB was overcharging customers on their mortgage and then in 2016, AIB was held up for having a similar practice. While the Central Bank started investigations, it acknowledged that the tracker mortgage scandal could be worse than initially thought.
This scandal is worrying since banks make a lot of profits from the interest rate that they levy on the mortgage amount. It runs into billions of euros, but more importantly, the overcharging has affected countless people across the country.
If you feel you, as a homeowner, have been overcharged by your bank, get in touch with a reputed and experienced tracker mortgage solicitor. According to the available information, here are the different scenarios where mortgage takers have been affected by the scandal:
- Borrowers who were denied the right to a tracker interest rate
- Borrowers who were not given the option of a tracker interest rate
- Borrowers who were not provided the correct tracker interest rate as per their contract
While some banks, such as AIB, have acknowledged this issue, there are others who are still in denial as they would have to compensate the affected customers. Of course, banks are mandated by law to rectify the error, but you can also sue for more compensation. That is why it is good to have our tracker mortgage solicitor at your side fighting for your rights as a borrower.
Have You Been Notified?
The moment a bank finds out that they have been overcharging borrowers, it has to inform them of the mistake in writing. In addition, the lender has to adjust the rate retroactively and let the borrowers know how much they will be reimbursed.
This, of course, is the practice that the banks have to follow. Unfortunately, not every single home mortgage borrower, who has been affected, has been informed. In case you have not received any communication from your lender, you should immediately get in touch with us, at Lawlor Partners.
Remember, you are entitled to reimbursement of the overcharged amount as well as compensation that banks are offering customers. The compensation amount varies from bank to bank and many borrowers, who initially accepted this amount, may now feel that it is inadequate. Regardless of the compensation amount, it is important that you consult a qualified tracker mortgage solicitor, who can guide and advise you so that you come out on the winning side.
If you have been overcharged by your bank, make sure you get a copy of the calculations. Even if you have accepted the compensation, you can still appeal it in the courts in case you feel that the amount is inadequate. Get in touch with us right away and we would be more than happy to look into your case and give you the right legal advice.