The Financial Services Ombudsman has warned that hundreds of borrowers who believe they were affected by the tracker mortgage scandal may find their complaints judged out of date.

The tracker mortgage scandal has shattered lives and inflicted “huge human suffering and cost”, according to the Minister for Finance.

The Central Bank’s final report into the controversy shows just over 40,000 people were denied cheaper interest rates on their mortgage.

The financial adviser credited as one of the architects in exposing the €1bn tracker mortgage scandal has insisted he “will not become a member of the club” when joining the newly established banking culture board.

TDs and Senators have cast doubt on the effectiveness of the new board set up to improve the behaviour of banks in the wake of the €1bn tracker mortgage scandal.

So that’s nearly Monday wrapped up. Here are some of the stories we published on irishexaminer.com today which we hope will help you make sense of it all this evening.

A decade on from having to be bailed out, the Irish banking sector remains unchastened, arrogant, and completely oblivious to the needs of the country and its own customers, writes Daniel McConnell

By Pádraig Hoare

Complaining about the banks is a bit like giving out about the weather — more often than not, it leaves the complainant feeling depressed, frustrated, powerless and convinced that it was a pointless exercise.

Here's your morning news bulletin...

The total number of people affected by the tracker mortgage scandal will not go far beyond 30,000, according to Finance Minister Paschal Donohoe.

Latest: The tracker mortgage scandal has brought heartbreak to countless Irish families and shattered people's trust in the country's banks, the Tánaiste has said.

We’re not going to be fobbed off by the banks quite so easily this time, writes Paul Mills.

Ireland's main banks are to make public statements on their response to the tracker mortgage scandal today.

There is an urgent need to defend and vindicate the rights of our citizens against a small number of corporations which at this stage are quite clearly out of control, writes James McNulty.

An advocacy group for people who lost their homes as a result of the tracker mortgage scandal will take “aggressive” action against banks.

The head of the Central Bank says it has been pushed to the “limits” of its powers in trying to force banks to compensate and address people ripped off from the tracker mortgage scandal. 

There is only one way to deal with wayward banks — hit them where it hurts. 

The Central Bank has been told to set a firm deadline for rectifying the tracker mortgage scandal.

Catch up on this morning's headlines...

Business Reporter Pádraig Hoare talks to four people whose lives have been irreparably harmed by the mortgage scandal.

People have killed themselves after banks denied them their entitlement to a low-cost tracker mortgage, victims of the scandal have claimed.

The eventual bill for compensation in the tracker mortgage scandal could be €500m, the governor of the Central Bank has said.