Hi Brendan. I am one of the lucky cohort who received the letter this morning and I want to thank you sincerely for all the work you have done to make this happen. It will make a huge difference to our family and we are extremely grateful to you and your colleagues. I phoned AIB today and the chap I spoke with confirmed that we will be getting the 12% reduction on our mortgage and the refund of interest. However, our situation is complex because we have had a split mortgage since 2014 (this was put in place arising from financial difficulties due to a redundancy and also my cancer diagnosis). I was told today by the AIB Official that the lump sum would be applied to the "warehoused" portion of our split loan. Don't get me wrong, we are delighted that this reduction is going to be applied, however, we would prefer that it were applied to the main part of the mortgage upon which we make our monthly repayments, as this would reduce the repayments by around €200 per month - but I was told that this was not an option. I did some calculations and this means that what we will repay almost €14,000 in interest over the remaining term of our mortgage so will it effectively "negate" the interest refund cheque that we are due to receive next month. It would seem that AIB are "giving it with one hand and taking it away with the other". My question is, do you think we would have grounds to dispute this and demand that AIB apply the lump sum to the main part of the mortgage instead of the warehoused part? Thank you again for all of your help and advice.