Last edited by a moderator: 2 Jan 2019 I have extracted all the posts from Pat 123 from separate threads into one thread to view it as a case study - Brendan Hi Brendan, my situation is almost identical i.e. was with UB from 2005 to 2010. Came off fixed rate in 2008, and should have been offered a tracker at that point. Moved to AIB in 2010 and topped up by 15K also. Received a cheque yesterday from UB along with the documents explaining it all. According to the documents, when I left in 2010, I was paying 250 euro more than I should have. I overpaid about 6K in total. I would never have moved to AIB if I had been on the Tracker at the time, as the top-up was only to purchase a car and pay off a credit card bill. I wouldn't have needed the top up if I had been on a Tracker mortgage at UB at the time, as I would have been 6K and 250 euro a month better off. My wife and I are very angry at this as those few years were very difficult financially for us, and if we had been on a tracker, it would have been much more manageable. Ideally, I would like UB to compensate me for the thousands I overpaid in the last 7 years towards my AIB mortgage, and also get back on a tracker mortgage with UB. So, what should be my initial step be ? Should I telephone the help line first ? Or write to UB ? Thanks in advance.