OK, to me, compensation for the fact that I exhausted my savings making sure the mortgage was paid, that I had to go without things because the money wasn't there. That my kids had to go without a holiday for three of the years, that I suffered depression and high blood pressure because of it, and that I will now be on relatively expensive medication for the rest of my life to manage both things, which resulted in me being let go from a job I loved because I could no longer perform it as I used to, for the three years I spent unemployed because of that, for the times I had to go to my parents & in-laws for help with buying school books & uniforms because we were struggling to keep our heads above water. For every direct debit that bounced because there wasn't enough money left at the end of the month. For being harassed twice a week by phone...
I used to overpay my mortgage in the hopes of paying it off early, I'm going to make it my life's work now to ensure my mortgage looses as much money for PTSB as I can. Yes, I'll hate being their customer for the next 20+ years, but I'll smile with every payment knowing that I'm costing them.