Rose Conway Walsh (Sinn Fein) | Oireachtas source

I am trying to demonstrate that while we are told certain things here, we have to then look at a record. It goes without saying that anybody on a tracker rate will follow that through because lenders are legally obliged to do it and there is not discretion on that. Is the standard letter that Permanent TSB sent out legally binding? It states that terms and conditions will remain the same.