Package & cheque collected from Ulster Bsnk this afternoon. Calculations accounted for both time with Ulster & AIB. They were about what I had worked out myself. Payment through FSO subtracted from overall amount. Will be appealing the compensation figure, frankly, it’s paltry. Will have to discuss return of mortgage in January but from a quick discussion they are happy to take it back if that’s what I want - so a good positive step in the right direction I think