I took out a tracker mortgage with Ulster bank in August 2005. I fixed my rate in 2006 for a period of two years. When the fixed rate expired I was put onto their variable rate in 2008. From reading of other cases with Ulster bank I was apparently entitled to go back to a tracker mortgage in 2008 as my fixed rate contract in 2006 would have said about being put back to home loan rate which the ombudsman in other cases has said means tracker rate.
I only realised all this in the last few months and unfortunately when I checked my documents I realised that I didn't have the fixed rate contract from 2006. I requested this from Ulster bank on the 16th February. Finally after the last two months of difficulties with the bank and being passed to their complaints department I received a letter today stating that they can't find this document and as an apology they want to give me €350. I am really suspicious of this that they can't find the one document that would show I was entitled to a tracker mortgage. Has anyone any advice for me or has experienced anything like this before. I know I'm outside of the six year time frame for the ombudsman so I'm wondering have I any other options as in taking a legal case myself. If they have no documentation to show that I signed for a fixed rate in 2006 does that make that contract null and void? Thanks
I only realised all this in the last few months and unfortunately when I checked my documents I realised that I didn't have the fixed rate contract from 2006. I requested this from Ulster bank on the 16th February. Finally after the last two months of difficulties with the bank and being passed to their complaints department I received a letter today stating that they can't find this document and as an apology they want to give me €350. I am really suspicious of this that they can't find the one document that would show I was entitled to a tracker mortgage. Has anyone any advice for me or has experienced anything like this before. I know I'm outside of the six year time frame for the ombudsman so I'm wondering have I any other options as in taking a legal case myself. If they have no documentation to show that I signed for a fixed rate in 2006 does that make that contract null and void? Thanks
Last edited: