Mobretia, thanks for the info. I do not know about the timing of issuing new traker loan offers. Maybe, maybe not.
In their response the BOI complaints department confirmed to me that the tracker was indeed available to me in mid July and that they pulled the product in early October. They could have said, like you explained, that new tracker loan offers were not issued in July. end of story. Instead they first argued that I never applied, and when I showed them in the application that I did, they argued that it was broker who amended the application. But if the broker did not get paid extra for signing customers to inferior products, it is hard to explain then. Then the only explanation is that the bank may have asked brokers to steer customers away from trackers as a favour, after all, they get paid and have a relationship with the bank, 100s of loans.