A decade ago, in a television advertisement for the Financial Regulator, a middle-aged man stood up on a Dublin bus and admitted somewhat sheepishly: “I don’t know what a tracker mortgage is”.
He's not the only one. Banks have been a bit hazy on the detail of the t's and c's of trackers too - and in thousands of cases, those t's and c's have simply been ignored.
Soon after that...
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