Sorry for delay I am away at the moment so I cant get to documentation but should be able to next week.
Anyway Yes I wanted to keep things simple at first, but I acually have 2 mortgage's taken out at the same time on the same property. The main mortgage ( mortgage 'a') was based on my salary and the 2nd one ('b') was an equity release on my principal house. The larger one 'a' I definately had fixed and I was repaid by the BOI nearly 4K, following the mis-handled interest rates, as it should have been put back on a tracker. The 2nd one 'b', which I am now questioning, I think I may have fixed but not sure at the moment. However both 'a' and 'b' mortgage documentation is worded the same, so 'b' does look a tracker for sure.
So it looks like they repaid on 'a' but not on 'b'. I have checked my principle house mortgage (taken out in 2002) and this definately looks like SVR as no reference to ECB rates. This therefore looks like that the BOI have not repaid on tracker mortgages which are linked through equity releases on SVR mortgages ? Any suggestions or comments on above, and how I should proceed with the Bank on this ? Many Thanks