John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

Were any tracker cases settled earlier? For example, were there cases where the client was active and engaging with the bank and demanding a settlement? Has the Financial Services Ombudsman discovered how settlements were calculated in the early part of this saga? Is there some calculation used by the Financial Services Ombudsman? Is there some calculation used by the bank?