Mr. Tom Kinsella:

We have one where a change of borrower on the same mortgage - typically a couple splitting up - resulted in the loss of a tracker. We are now restituting them back to their historical tracker mortgages. That is approximately 200 customers.

There is also what we term "tracker not applied to top-up". Here, a person with a tracker mortgage applied for a top-up and the tracker rate should have been applied to that top-up but it was not. We have restituted the top-up to that.