So are people pursuing this on an individual level? Is that the way to go if the group action is not going ahead? I had a 3 year fixed taken out in 2006/07 on half my mortage and a tracker on the other 50%. They are dealt with as two separate mortgages I believe. When the 3 year fixed portion expired, I was not offered a tracker on this mortgage - should I have been? I did subsequently fix again for a period but not straight away. I would be grateful for any reply/update/advice. Thanks!