Suggest .
1.Get whatever (offer) into your account first.
2. There will probably be a small (compensation) amount.
3. Take your time to re-check Banks figures.
4. If it seems reasonable , sign for it.
We can talk about (stress) (hardship) etc , but these are hard to prove in a monetary fashion.
The only reason you are getting anything is, that by constant pressure PTSB was forced to act in an honest manner.
Banks have always got away with things like, extra interest charged, funnies on Non Resident accounts, PPI, selling inappropriate policies etc ,etc , etc.
Our Government/Central Bank , FSO have permitted these things and (once the heat dies down)will permit similars in the future.
Banking has never been trustworthy.
Sorry if my post is (defeatist)