I wrote to my bank recently making a request in connection with my offset mortgage.
The request was declined because according to the bank it was not permissible under the terms and conditions of my mortgage.
The letter the bank sent me referred to a copy of the T&Cs enclosed.
Now the T&Cs they enclosed were just a standard document, but they are not the same as the T&Cs on my mortgage. Basically the standard T&Cs are for a home mortgage but mine was written as an investment mortgage. The bank claimed in the past that the product was only ever for home mortgages but eventually they accepted that my was an investment mortgage.
My question is this, does the fact that the bank have issued a false document to me with the intention of obtaining an advantage (i.e. not lending me money at a very low rate where they are contractually obliged to) constitute a criminal offence of fraud. What does anyone think?
The request was declined because according to the bank it was not permissible under the terms and conditions of my mortgage.
The letter the bank sent me referred to a copy of the T&Cs enclosed.
Now the T&Cs they enclosed were just a standard document, but they are not the same as the T&Cs on my mortgage. Basically the standard T&Cs are for a home mortgage but mine was written as an investment mortgage. The bank claimed in the past that the product was only ever for home mortgages but eventually they accepted that my was an investment mortgage.
My question is this, does the fact that the bank have issued a false document to me with the intention of obtaining an advantage (i.e. not lending me money at a very low rate where they are contractually obliged to) constitute a criminal offence of fraud. What does anyone think?