To the staff that has not got their trackers back, do not lose hope. Get Padraic Kissane to represent you and send him all your loan docs - request all your data from the bank. I am aware of a staff member who has now got a tracker despite the fact that their mortgage was never on a tracker. Do not give up, keep on fighting, write to the Central Bank, contact John Mc Guinness, Pearse Doherty, Michael Mc Grath and your local TD. Good luck everyone.