Looking for some advice please. My letter of offer is from Feb '09, after trackers were no longer offered to new customers. However AIB had not yet changed the wording in their contracts and clause 3.2 still applied to me. I am now coming out of a fixed rate so they have offered me the tracker rate of 3.67. I understand that I have cause for redress as they should have offered me this years ago when I came out of a fixed rate. However I'm wondering do I have cause to challenge the rate? I'm not in the group like most of you where there was a tracker available at the time of your letter of offer, even if the rate was not specified as you opted for fixed. At least there were available rates at the time that you can refer back to and argue that you should be reverted to. There were no such rates by Feb '09 so it seems that the banks could argue that the prevailing rate would have been 3.67. Any suggestions?