Same here. Got my Appeals Panel decision letter back a week ago and in a nutshell they feel AIB have compensated me adequately and no further compensation should be awarded. The basis of their decision to reject my appeal was that had AIB offered me the tracker mortgage rate at the end of my fixed rate period in October 2011, the tracker rate would have equalled or exceeded the standard variable rate, hence they believe I have suffered no loss as a result. I don't know what to do about the ACCEPTANCE/REJECTION FORM? If I tick REJECT what is going to happen next? It has to be returned within 20 business days.. I will email the letter onto Brendan aswell.