I'm still waiting to hear back from Ulster bank about my tracker as part of the central bank review, get a letter every 60 days. I am wondering because I moved my mortgage in 2009 what will happen if they do find in my favour? I only moved the mortgage as a result of being denied the return of the tracker after fixing for 2 years. It is so wrong, read in the paper today 8200 tracker mortgages affected i think a lot would have since changed banks or moved house, what happens in that case?