‘Of­fi­cial swag­gered into the room with a cup of cof­fee, and told me to stop writ­ing to them’

Irish Daily Mail - - News -

NI­AMH Byrne told the Fi­nance Com­mit­tee that she was wrongly forced off a tracker by Ul­ster Bank, and that her fight to get jus­tice has gone on for ‘nine years, two months and 28 days’.

She took out a tracker with Ul­ster Bank in April 2006, but in July of that year she de­cided to fix her mort­gage as she was a non-per­ma­nent teacher at the time.

In 2008, when the fixed pe­riod ended, she con­tacted the bank and asked when she would be put onto her tracker, but was told they were go­ing to put her on a vari­able rate.

She said she ar­gued for nine months un­til May 2009, when she was on a vari­able rate of 3.85% with Ul­ster Bank. AIB had a rate of 2.5%. Ul­ster Bank would not al­low her to move back to the tracker.

In 2012, she re­alised Ul­ster Bank was al­low­ing peo­ple to move with their tracker, so she ended up in a lengthy dis­pute with the bank through the Fi­nan­cial Ser­vices Om­buds­man.

It took more than two years for the Om­buds­man to make a rul­ing, and the bank was or­dered to pay her com­pen­sa­tion.

Ms Byrne de­scribed the un­ac­cept­able at­ti­tude shown to­ward her dur­ing a meet­ing with a rep­re­sen­ta­tive from the bank in De­cem­ber.

‘It was like talk­ing to this [a ta­ble],’ she said.

‘He swag­gered into the meet­ing with a cup of cof­fee in his hand and it wasn’t the proper kind of deco­rum you could ex­pect in a meet­ing such as that.

‘They spent an hour ba­si­cally telling me to stop writ­ing to them,’ she added.

Ms Byrne said that she had writ­ten more than 40 times to the bank last year de­mand­ing it give her back her tracker.

In Jan­uary, she was iden­ti­fied as one of the bank’s af­fected cus­tomers.

Shoddy treat­ment: Ni­amh Byrne

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