We are in a simlair boat but it has to be pointed out the loss of tracker clause was in the application form for the tracker and that tracker application form did not form part of the loan agreement or was not referred to in the loan agreement and predates the loan agreement which is the most recent document . I don't understand why the bank can have an agreement and then withdraw the products of that agreement and therefore then because they withdrew tracker rates , you lose out ? , when you did not breach the agreement . We were told we were not part of the review in sept , then in dec the helpline just said all tracker mortgages are included but I felt the words used were vague . As I had written a compliant in March , I wrote to the aib review address helpline gave me and said I expected my case to be reviewed as I had complained and wanted a written report on what was the external review opinion /outcome of my case . I have the feeling that we were not submitted for review or where presented to the external reviewers as the group that impact isn't applicable to , which is ridiculous when you think that we complained . Is this a tick box exercise to say it was done , tracker mortgages issue resolved and then float aib for sale ? as in terms of reporting / media it is dealt with and then it is presented to whoever buys aib , that they won't have to deal with it . They hope they can do the minimum in review/redress to gain from the sale . Again .