Definitely the bank chancing their arm. Again. And only that Jacky (1) fought it and (2) got the FSO to agree did she get back that to which she was entitled. But it's a numbers game for the bank and for every Jacky there are probably 20 who believe the bank. The Central Bank/FSO should order that banks looks at all people like Jacky and give them the correct tracker rate and repayment. Why should so many people have to take on the banks individually when it's clear as day what the banks are at.If they told you in 2007, when you fixed, that you would be entitled to a tracker on expiry of the fixed rate, I just don't see the relevance of their subsequent press release? Even if they had worded it differently, they still couldn't take it from you.