Has anyone received refund from Bank of Scotland regarding overcharging on tracker mortgage

1) Amount of refund of overcharged interest: €115,972
2) Time Value of Money: 25,728
3) Compensation if any: 21,255
4) Advice Payment: €400
Total: €163,355

Tracker was: 0.7%
SVR: 1.50%
Over charged by 0.8%
Were you informed by BOS whether the payment to you included a capital element instead of BOS reducing the balance to where it should have been had the issue not arisen?
 
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