I just want to mention Pardaic is already dealing with this tracker issue. I am mostly posting because of subsequent issues in relation to our account and unsure who deals with them and how serious they actually are. I am also curious if the were others in this situation and and the outcome. Also I would like to gather as much info as I can while waiting for the F.S.O. So I will just post on the initial tracker issue first before going into other issues Application for tracker - 13th October 2008: After listening to Newstalk back in October 2008, they had advised anyone who was eligible for a tracker to apply as soon as possible as there was talk of them being pulled from the market, LTV was to be below a certain % to be eligible. I made an inquiry and we were eligible (at the time it was a saving of €120-€130 per month) and the EBS sent a letter on the 13th of October 2008 along with 3 application forms. It stated "as per telephone call with xxxx today please find the information requested in relation to the tracker and variable rates". Below, it quoted our existing rate, tracker rate and a new variable rate. Along with the letter there was also 3 application forms(1 for each of the 3 parts of our mortgage) The forms had a rate of ECB + 1.55% and are identical to others I have seen posted on here. The letter also stated "if you wish to avail of the Tracker Rates please sign the enclosed Applications Forms and return to me as soon as possible". EBS stop offering trackers – 13th October 2008: Once I heard EBS trackers had been pulled I rang the local branch that had sent the forms to check if the offer was still ok. I spoke with the branch manager who told me the offer was no longer valid, as the product was no longer on the market. I believed him at the time but started to doubt it at a later date and now know this was a blatant lie which has been extremely costly for us. Their own press release statement proves the offer should have stood. EBS stop offering Tracker mortgages-customers who already have an offer of a tracker mortgage which is not yet drawn down will still be able to avail of the offer within the terms of their loan agreement. First Final Letter: In September 2015 EBS were asked to investigate our tracker issue. They quickly wrote back with a final response. The letter was extremely badly written used some weak and contradicting excuses. Main excuse was “on the 13th October the xxxx office wrote to Mr xxxx and ms xxxx offering a tracker mortgage product at 1.55% above ECB lending rate. The same day the, EBS announced that they would be withdrawing the tracker product from the market from the close of business that day. At the time the office that wrote to Mr xxxx and Ms xxxx were unaware of this announcement. They then also try to claim that they “were in fact application forms for a tracker rate rather than an acceptance to an offer”. Second Final Letter: In June 2016 they were asked if we were to be included in the Tracker investigation. In March 2017 we received a second final letter, this time from AIB. "as part of our investigation we also reviewed the content of the final response letter. Regrettable there are obvious inaccuracies for which we must apologise and set the record straight". They then go on to provide different excuses which are still pretty weak points and again contradicting each other. They also state that they deem us not impacted and this was their final response. For our particular case and what seemed like it should have be easily resolved there appears to be no end in sight. In 3 years we have had numerous monthly letters stating they are investigating but only 2 actual responses, both of which were final responses which we haven’t been able to challenge or point out the obvious inaccuracies in them. Our only option appears to be, to wait for help from the F.S.O.