Hi I received my tracker back from Ulster bank in March of this and the letter said I was put onto a rate of ECB + 1.15%. It was only when I was watching the Pat Kenny show on the tracker debacle last week that it occurred to me that I never checked to see what was my original rate was. When I checked I found that it was ECB + 1.05%. Has anyone else found that they have been put onto a different rate? I rang Ulster bank today and they were as helpful as they always are (which is not helpful) and he told me he would get back to me with an explanation but I got no call back. I think this would be a new low If I found out that after eight years of over paying that they put me onto the wrong ECB rate.