1) Amount of refund of overcharged interest: €115,972
2) Time Value of Money: 25,728
3) Compensation if any: 21,255
4) Advice Payment: €400
Total: €163,355
Tracker was: 0.7%
SVR: 1.50%
Over charged by 0.8%
Was this a very big mortgage do you know, not looking to know the exact figure, I received a letter stating I will be have a final figure in December.