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By the way I fixed in April 2007 just in case that is of interest

Hi Linten No I did not locate the form I signed when I fixed and I did not request it from the bank as I decided to wait and see if there was any outcome from the tracker examination. The letter I received in January stated "we have now completed an initial analysis of our mortgage portfolio...

No my fixed rate ended in 2012

I am with UB and had my tracker restored from Jan 1st and I have received my mortgage statement from 2016. I received it a week ago.

Hi all...just to update on this thread...my tracker rate as per my original mortgage contract has been reinstated as of this month. Got my letter today. Thanks to everybody who has worked to raise awareness of this issue and hopefully everybody will get their letter soon.

Is it based solely on the mortgage agreement? or does the fixed rate authority not come into play in amending the terms of the original mortgage agreement?

Yes mine was for a 27 year mortgage and for the life of the loan

I spoke them again earlier this morning and after re phrasing my question several times i eventually got the answer that they are still in the process of letter writing to the initial 2000 customers identified so dont lose hope just yet.......other than that its the usual line that the review is...

Hi..my payment hasnt come out either but my other direct debits have

Great news for that person....we now know they sent one letter at least! SaySomething..what had been the circumstance in your friends case?

Thanks Saysomething....my situation is similar to your own. I really hope that the outcome is good for us all but i am fearful that Ulster Bank will find some little detail in that fixed rate authority that will allow them to deny us that tracker back. I say this because there doesnt seem to...

SaySomething..You seem pretty confident that you will get your tracker back...are you basing this on other case studies or have the bank given you some indication of this?

Has anybody had any update from Ulster Bank as to where they are at with this whole process......i rang last month and the girl on the phone said they were examining all mortgages not just those that had a tracker.

It appears to me that each case has been dealt with on a case by case basis and perhaps depended on the individual view of the person dealing with the query or complaint in the Bank and maybe the FSO for that matter..........which is unfair in my view

I was referring to the form that would have been signed when moving from the tracker to a fixed rate initially...not when the fixed rate ended.

Could we not draw the conclusion that the fixed rate document that would have been signed in 2007 would have had a standard wording that would have been the same for every customer that had a tracker??

It seems to me that they gave this back to you very easily in comparison to the fight that other customers have to go through....does this then bode well for the rest of us? It seems to me that if ever you had a tracker then fixed for a period then you should just have gone back on your tracker...

Was the banks decision to give it back to you based on the wording in your original mortgage contract or the wording of the fixed rate form that you signed in 2007?

Had you been fighting your case with them since the end of your fixed rate? Congrats on your good news also.

Thank you all for the advice....I am going to await the outcome of the investigation and see if the bank make contact with me...and if not i will definitely be requesting a copy of that fixed rate agreement and take it from there.