Karolina77
Registered User
- Messages
- 13
Would appreciate advice:
UB mortgage - tracker rate for 'lifetime of mortgage' as per terms & conditions. Fixed in 06 and expected to return to tracker in 08. We weren't offered it back at that time and naively accepted this - rolled onto SVR. A year later fixed for 3 years - the form we signed this time said we'd go back to SVR but seeing as we were coming from an SVR, this obviously didn't cause us concern. Realised earlier this year due to threads like this (how have I missed all this???) - anyway realised we had what seems to be a rock solid case - complaint into UB, eventually got reply back recently offering us tracker back for the 1 year we were on SVR as they can see why we would have thought we were due to go back on it??!!! Anyway they then say BUT because you signed FRA in 09 stating that you go onto SVR upon expiring of this rate, we don't feel that there was any error on the banks part. I'm presuming this is all just nonsense - we've sent a much more detailed, strongly worded letter back to them - their original letter was Final Response but no harm in trying as from what I can see, first answer always seems to be NO. Complaint going to ombudsman asap too. Just feel so so angry today that they are getting away with this and we are being made go through all of this to get what we are legally entitled to. Any advice or thoughts would be appreciated.
I have to say the Final Response Letter was shocking. It was a bit rambling, some of the sentences made no sense whatsoever and it seemed to go around in circles until they say well we 'feel' we did nothing wrong so accept our offer in writing or go to Ombudsman.......
UB mortgage - tracker rate for 'lifetime of mortgage' as per terms & conditions. Fixed in 06 and expected to return to tracker in 08. We weren't offered it back at that time and naively accepted this - rolled onto SVR. A year later fixed for 3 years - the form we signed this time said we'd go back to SVR but seeing as we were coming from an SVR, this obviously didn't cause us concern. Realised earlier this year due to threads like this (how have I missed all this???) - anyway realised we had what seems to be a rock solid case - complaint into UB, eventually got reply back recently offering us tracker back for the 1 year we were on SVR as they can see why we would have thought we were due to go back on it??!!! Anyway they then say BUT because you signed FRA in 09 stating that you go onto SVR upon expiring of this rate, we don't feel that there was any error on the banks part. I'm presuming this is all just nonsense - we've sent a much more detailed, strongly worded letter back to them - their original letter was Final Response but no harm in trying as from what I can see, first answer always seems to be NO. Complaint going to ombudsman asap too. Just feel so so angry today that they are getting away with this and we are being made go through all of this to get what we are legally entitled to. Any advice or thoughts would be appreciated.
I have to say the Final Response Letter was shocking. It was a bit rambling, some of the sentences made no sense whatsoever and it seemed to go around in circles until they say well we 'feel' we did nothing wrong so accept our offer in writing or go to Ombudsman.......