Anyone in this situation? ulster bank sent a letter under tracker mortgage examination that we were over charged on our mortgage.we have a tracker margin plus ecb rate but were over charged by 0.20%. This is now rectified and we are paying the right amount they say. Now today we received an annual mortgage statement from the year the error was made to today. We paid the mortgage and income protection each month. I just looked at the summary sheet and I am now worried. It shows opening balance.....grand The in interest on the mortgage....charged grand Now this is the bit I am worried about.It shows open balance debit interest amount and a "fees figure". It was never there on last years statement. I thought the fees would be say failed direct debit or fixing mortgage charges. What is this ? I checked the transaction sheets that went with the summary and there is a receipt of income protection and repayment on the credit side. The debit side shows premium credit and premium tax debit. I think that is the breakdown of the insurance. Then do accrured in. There is no explanation of what each thing is. There is then a sheet with it showing variable rates as we have a top up on variable rate.