Hi Howard
I have just seen this now.
Brilliantly laid out - well done.
The matter which will determine this is what did you agree when you fixed the mortgage rate in March 2007. What did that document say? If it made it clear that you would lose your tracker, then I don't think you have much of a case.
If it was vague, you have a case.
As the amount of money is so large, I would always recommend using Padraic Kissane for pursuing your complaint. You pay a fee, but it's well worth it. He will have come across this exact scenario before and will no how AIB responds to such complaints.
Brendan