Hi Sniper,
We got our tracker back in 2011, we never got a refund, we were told at the time the over payment would be put against the mortgage. Never in arrears, always paid full mortgage. We contacted BOI about this in Dec last year. BOI confirmed back in 2011 the central bank confirmed this is the way the over payment should be processed. Also as too much time has passed, they are unable to help now. Several people have told me this is incorrect as they were refunded. We have put a complaint in to the FPO office. We are not looking for compensation etc, just our over payment back. We should have received this back in 2011.