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I got my final response from ptsb customer relations department. I am not entitled to be included in the redress scheme, and the rate of 3.35% above ecb is correct.
The rate was determined by "Our pricing structure is determined in line with costs of funds to the bank. The cost of borrowing whether in the wholesale or interbank market remains considerably higher than the nominal rate set by the ECB and it is no longer moving in parallel with the movements in the ECB rate. So while the ECB rate has reduced the actual cost of borrowing on the interbank market has not moved in parallel ."
"This account did not include a contractual right to a tracker specific margin above the ECB rate on the expiry of the fixed rate term rather that the rate would be a tracker rate applicable at the time of maturity. As the rate applicable for your account was ECB +3.35%. "
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