There are many, many cases particularly in the worst years of the recession where rents had fallen and demand was small meaning a) it was really difficult to rent a property for anything other than a loss (hard to believe now) where the mortgage was unsustainable for this reason and b) sales prices were such that residual balances were left. At the same time andin these circumstances banks were, anecdotally in any case, trying to force sales even if it meant outstanding balances. They needed to et money in at any cost. This shorttermism was evidenced by the number fire sales by banks or on behalf of banks by the likes of Allsops. Also it meant many tenants were evicted for the property to be later left empty and to become damaged or even derelict. In the context of many of these lroperties being bought at the top of the market often as original family homes by accidental landlords or one property landlords, a tracker could have and probably would have meant hundreds extra per month and would certainly have saved a lot of people from the clutches of banks. Yes, there is a big picture and other factors but a tracker would certainly have helped many people at a time when banks were more intent in getting some, any, return rather than restructuring