Hi all I am one of the many who received the letter from AIB in April re mortgage redress. In my original offer I have the clause 3.2 as mentioned in other posts. I then found during a recent clear out (not filed at all) a letter from July 2008 after a year of my fixed rate was up. This may be useful to other people to see who haven't been able to locate their documentation. When I received this letter i went for 3 year fixed rate. Then in 2011 it wasn't an option. I was going to go through the appeals process as during the times I had to take out a couple of loans to get through the tough times and still owe money on management fees. I know there are people in much worse situations also. If I picked the 3 year fixed rate in 2008 will they say you had the option and chose no so good luck? As per offering me a tracker now should i take it or could it be a negative in the future? Thanks so much and good luck to everyone going through the process.