We drew down our mortgage in Feb 2007, fixed for two years and have the prevailing rate statement in our Loan Offer. Received this response from KBC yesterday stating we are not impacted at all. We are still going to request a copy of all our documents and send them for independent advice, it is unclear to us why some who drew down in the period Nov 06 to Feb 08 are impacted and some are not. It is worth a try! "Dear XXXXX, Many thanks for your email and apologies for the delay in responding to you. At this time, we can confirm that we have written to all customers considered to be impacted by the CBI Tracker Mortgage Examination. We can confirm that there has been no impact or detriment identified in relation to your account. Kind Regards, Paul XXXX Tracker Mortgage Examination | KBC Bank Ireland Plc| W: www.kbc.ie"