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Informer snow topic4/2/2024 ![]() ![]() Soon they were in severe financial difficulty and under pressure to sell their home. The couple was unable to get additional credit in Portugal and ended up losing the deposits they put down on two apartments. The 13-year mortgage, secured against their family home, was given even though Mr Baynes was aged 62 and unemployed at the time, while his wife, then 57, had an income of just €2,000-a-month. Joseph and Ann Baynes, from Dundrum, Dublin, were given a loan of €150,000 by IIB Homeloans, a subsidiary of KBC Bank. He claims the ombudsman is taking too long to consider complaints and is rejecting too many of them on the basis they are deemed outside of time limits. The couple are being advised by Ben Hoey, of Quartech, a former Merrill Lynch and Bank of Ireland executive who is helping people who were mis-sold mortgages to claim compensation.
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