I like you're previous posting Brendan. Glad you mentioned the exploitation of non-tracker holders, as I have said in previous postings on other threads it's because they can and will continue to do so until they're stood up to, the same way a bully will continue to bully until he or she is stood up to. My contract says that the interest rate can be changed at the lenders discretion, obviously stupid on my part that I would accept a contract that gives them such power over me but without it I couldn't have got a place to live. As a taxpaying citizen of the state i and anyone else have been failed by every arm of this state on this issue and will continue to be because they have been able to get away with doing nothing for us. They have the power to deal with the bullying banks but won't and then you have the likes of Marco But I who I am sure is at worst on a salary of €150,000 and if he has a mortgage is paying no more than the average European svr rate dictating like that to me, it makes me sick. I'm sure he doesn't know what it's like to feel like a sucker, I and another few thousand have learned as per usual the hard way In this country, I just wish we had at least10% of the SVR holders in this country on board and maybe then we could take some real action. I do hope that the least the non-active ones will do something for us and vote for the parties or groups in the upcoming election that give us most support, support which for the most part has been very weak with a small handful of notable exceptions, eg Michael McGrath. Hopefully yourself Brendan if you're reading this and the campaign will issue recommendations regarding this in advance of the election.