Me.
I'm a FA now UB customer. I applied TWICE for a tracker while on a variable rate in 2008 - they lost my first application, so I sent another - a few months later as interest rates going up and up, I ran to my branch and got talked into signing up for a 5 year fix rate. Two days later I got the letter confirming my tracker -which I could easily afford- dated BEFORE I fixed the mortgage(!) Ran back to bank to cancel the fixed rate application and was told 'no can do'. But when I complained I got a reply basically promising me that I will revert to my tracker rate at the end of the fix rate in 2013.
I entered MARP in 2011; in May/June 2013 I got offered a 'sweetheart' reduced interest deal for 12 months - when it ended in 2014 I was put back on the fixed rate instead of the Tracker. This mistake was actually spotted by an UB staff member and took 8 months til January/February 2016 to fix it... I was retained on that fixed rate during this time. I was offered €500 compensation - which I accepted because I didn't think I would get more.
However I'm still waiting for my statement as I was on 39k arrears (approx) in January 2016; and two weeks ago I'm on 40k arrears... even tho I'm paying MORE into my mortgage and a €6k refund was issued!?