Wrong forum should have been offered a tracker??

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bungaro

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hi,
took out a mortgage with my wife in 2008 and we are currently on a variable rate. i think we were on a fixed rate for a while and i had a quick look at the term of the mortgage there and under the heading "further fixed interest rate options/choice" it states

"at the end of any fixed interest rate period, the Customer may choose between:
(a) a further fixed interest rate period, or
(b) conversion to a variable interest rate Mortgage Loan, or
(c) conversion to a tracker interest rate Mortgage Loan
at the Bank's then prevaling rates appropriate to the mortgage loan. if the customer does not exercise this choice, then the mortgage loan will automatically convert to a variable interest rate mortgage loan."

now i can't remember being offered the option to move to a tracker when we came off our fixed rate as i know i would have jumped at the opportunity to change!! have i got a case to change?? or if i was to start a yearly fixed rate then in 12 months time should i have the choice of going onto a tracker??

thanks!
 
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