Well done Diver.
While this is a climbdown by the PTSB, if you have a similar situation with any other bank the FO is going to agree with you. That is clear.
Anyone in this situation needs to act now. Just send a letter today to your bank, that keeps it 'open' and like Miakk and Diver mentioned, best of all to hire an advisor to help you. It is not easy. The advisor will of course have to be paid, but I imagine most will only take the case if a) you have a good chance and b) on the basis that they don't get paid unless you get your tracker back.