When we took out our mortgage the bank offered a list of options-one of which was a tracker. We opted for the fixed rate but were assured that we could choose another option from the list at the end of the fixed term. We were looking forward to choosing a tracker -but when the new list arrived there was no tracker listed. We made no choice and we were put on a Loan to Value which is very high. Is there any legal onus on the back to refer back to the original list of offers?