There is a huge difference between the two banks.
PTSB stuck to their contract. When people came off fixed rates, they were offered a choice of SVR, Fixed or the "then current" tracker rate of 2.25% or 3.25% depending on the date. Borrowers may not have liked it, but ptsb stuck to their contract.
AIB broke their contract. They did not have a prevailing rate and they did not offer their customers one. They set the prevailing rate 8 years later. In my view, this is unacceptable.
It's not the end of the line. 4,000 AIB customers have received €1,000 each + €650(?) - they should pool this money and take a High Court case to determine the meaning of "prevailing".
Brendan