I am just saying that if a bank can make more money from people based on legal contracts then the legal department will always work for the favour of the bank. I have experienced it in my own work unrelated to mortgage accounts. The bank don't care who is behind the contract. Sure the FSO had already sided with the bank on the legal documentation in most cases prior to the tracker review. In our case they have clearly messed up the wording of the contracts by not clearly defining what tracker vs variable rate is. This is the legal departments fault.